# EDGAR Filing Document

**Accession Number:** 0000807641
**File Stem:** 0000929638-25-004788
**Filing Date:** 2025-12
**Character Count:** 1288174
**Document Hash:** b6ebd7aa644adbbe17dc253adc0646ab
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-25-004788.hdr.sgml**: 20251230

**ACCESSION NUMBER**: 0000929638-25-004788

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

**PUBLIC DOCUMENT COUNT**: 17

**CONFORMED PERIOD OF REPORT**: 20251230

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

**FILED AS OF DATE**: 20251230

**DATE AS OF CHANGE**: 20251230

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GS MORTGAGE SECURITIES CORP
- **CENTRAL INDEX KEY:** 0000807641
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01949
- **FILM NUMBER:** 251614055

**BUSINESS ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004
- **BUSINESS PHONE:** 212-357-8721

**MAIL ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GS MORTGAGE SECURITIES CORP
- **CENTRAL INDEX KEY:** 0000807641
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004
- **BUSINESS PHONE:** 212-357-8721

**MAIL ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004

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

#### FORM ABS-15G<br> ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934
Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

___ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _______ to _______.

Date of Report (Date of earliest event reported):   <br> Commission File Number of securitizer:   <br> Central Index Key Number of securitizer:  

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

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

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

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

 <u>X</u> <br> Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: <u>0000807641</u>

<u> GS Mortgage-Backed Securities Trust 2026-PJ1 </u> <br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity:

<u> Manju Madhavan, (212) 902-5268 </u> <br> Name and telephone number, including area code, of the person to<br> contact in connection with this filing.

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#### INFORMATION TO BE INCLUDED IN THE REPORT

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| | |
|:---|:---|
| **Item 2.01.** | **<u>Findings and Conclusions of a Third Party Due Diligence Report Obtained By the Issuer</u>** |

---

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.

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#### 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.

Dated: December 30, 2025

GS Mortgage Securities Corp.<br> (Depositor)<br>By: <u>/s/ Manju Madhavan&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u><br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Name: Manju Madhavan<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Title: President

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#### EXHIBIT INDEX
<u>Exhibit Number</u>

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| | |
|:---|:---|
| 99.1 | Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC |
|  | Schedule 1 – Executive Summary/Narrative |
|  | Schedule 2 – Rating Agency Grades |
|  | Schedule 3 – Exception Grades |
|  | Schedule 4 – Valuation Report |
|  | Schedule 5 – Supplemental Data |
|  | Schedule 6 – Data Compare Summary Report |
| 99.2 | Disclosures required by Rule 15Ga-2 for Opus Capital Markets Consultants, LLC |
|  | Schedule 1 – Executive Summary/Narrative |
|  | Schedule 2 – Rating Agency Grades |
|  | Schedule 3 – ATR Report |
|  | Schedule 4 – Supplemental Data Extract |
|  | Schedule 5 – Valuation Report |
|  | Schedule 6 – Data Compare Report |
|  | Schedule 7 – Standard Findings Report |

---

## Exhibit 99.1

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#### EXECUTIVE SUMMARY

#### DESCRIPTION OF SERVICES
(1) Type of assets that were reviewed.

AMC Diligence, LLC ("AMC") performed certain due diligence services described below on conforming and non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of Goldman Sachs Mortgage Company ("Client") during multiple transactions from June 2025 to December 2025 via files imaged and provided by Goldman Sachs Mortgage Company (the "Review").

The loans in the Review carried origination dates between June 2025 and November 2025.

(2) Sample size of the assets reviewed.

The Review was conducted on two hundred nineteen (219) mortgage loans with an aggregate original principal balance of approximately $278.474 million. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the portion of the securitization population reviewed by AMC.

(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:

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| | | | | |
|:---|:---|:---|:---|:---|
| Street | Borrower Last Name | Property Type | Original LTV | Refi Purpose |
| City | Borrower SSN | Occupancy | Lender | PITIA Reserves Months |
| State | Original Loan Amount | Purpose | Product Description |  |
| Zip | Original Interest Rate | Balloon Flag | Originator Loan Designation |  |
| Borrower First Name | Representative FICO | Original CLTV | Investor: Qualifying Total Debt Ratio |  |

---

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.

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

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

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

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to 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

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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 a DU/LP form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the AUS findings.

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

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

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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 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.

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

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

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

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

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

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

<br> a) <u>Rescission (§1026.23, §1026.15):</u>

<br> i) failure to provide the right of rescission notice;

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

<br> iii) errors in the right of rescission notice;

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

<br> 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

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amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and<br>

<br> 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.

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

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

<br> ii) proper execution by all required parties;

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

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

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

<br> i) failure to provide the applicable home equity initial and account opening disclosures

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

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

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

<br> 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.

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

<br> f) <u>Higher-priced Mortgage Loan (§1026.35):</u>

<br> i) APR threshold test; and

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

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

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

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

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

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

<br> h) <u>Homeownership counseling (§1026.36):</u>

<br> 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.

<br> i) <u>Mandatory Arbitration Clauses (§1026.36):</u>

<br> 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.

<br> j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u>

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

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

<br> 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

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

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

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

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

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

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

<br> 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

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

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

<br> i) confirm current applicable HUD form was provided;

<br> 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

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

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

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

<br> 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

<br> 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.

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

<br> i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

<br> 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;

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

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

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

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

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

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

<br> 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):

<br> a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u>

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

<br> 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;

<br> 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;

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<br> 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.

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

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

<br> b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u>

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

<br> 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;

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

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

<br> 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.)

<br> c) <u>Your Home Loan Toolkit (§1026.19):</u>

<br> 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

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

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

<br> a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

<br> b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

<br> 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

<br> 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>*

**

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

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

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

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

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

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

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

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

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

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

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

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*<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:

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

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

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

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

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

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

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

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

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

(X) Recording Review

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

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

(XI) FIRREA Review

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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):

<br> ◾ Initial application (1003);

<br> ◾ Underwriting summary / loan approval (1008);

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

<br> ◾ Hazard and/or flood insurance policies;

<br> ◾ Copy of note for any junior liens;

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

<br> ◾ Final 1003;

<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

<br> ◾ Certain other disclosures related to the enumerated tests set forth herein.

(8) Other: review and methodology.

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

(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

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compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued. SitusAMC also hereby disclaims any representation or warranty as to accuracy or completeness of the Report, the inclusion or omission of any facts or information, or as to its suitability, sufficiency or appropriateness for the purposes of the transaction parties or investors or the use of the Report in preparation of any other document in connection with the subject transaction.).

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

#### SUMMARY OF FINDINGS & 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 REVIEW RESULTS SUMMARY
There were two hundred nineteen (219) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable DBRS, Fitch, Kroll, and Moody's NRSRO grading criteria one hundred fifteen (115) (52.51%) had an Overall grade of "A", one hundred four (104) (47.49%) had an Overall grade of "B", and no loans had exceptions that generated an Overall grade of "C" or "D".

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| **NRSRO Grade (DBRS, Fitch, Kroll, Moody's)** | **# of Loans** | **Percentage of Loans** |
| A | 115 | 52.51% |
| B | 104 | 47.49% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### CREDIT REVIEW RESULTS SUMMARY
One hundred sixty-nine (169) (77.17%) mortgage loans of the total received an "A" Credit Review grade. The fifty (50) (22.83%) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

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| **NRSRO Grade (DBRS, Fitch, Kroll, Moody's)** | **# of Loans** | **Percentage of Loans** |
| A | 169 | 77.17% |
| B | 50 | 22.83% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### COMPLIANCE REVIEW RESULTS SUMMARY
Under the applicable NRSRO grading criteria one hundred forty-one (141) (64.38%) had a Compliance Review grade of "A" and seventy-eight (78) (35.62%) had a Compliance Review grade of "B". Loans with a Compliance Review grade of "B" may have multiple compliance exceptions (see exception detail below); however, none are lower than a grade of "B".

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| **NRSRO Grade (DBRS, Fitch, Kroll, Moody's)** | **# of Loans** | **Percentage of Loans** |
| A | 141 | 64.38% |
| B | 78 | 35.62% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### PROPERTY/VALUATION REVIEW RESULTS SUMMARY
Under the applicable NRSRO grading criteria all two hundred nineteen (219) (100.00%) loans had a Property/Valuation grade of "A". None of the loans are lower than a grade of "A."

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| **NRSRO Grade (DBRS, Fitch, Kroll, Moody's)** | **# of Loans** | **Percentage of Loans** |
| A | 219 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### REVIEW EXCEPTION SUMMARY (219 Mortgage Loans)
The summaries below detail the exceptions from the Compliance, Credit and Property Reviews that would have resulted in a "B", "C", or "D" grade for a given mortgage loan under the Fitch, Kroll, Moody's, and DBRS grading criteria. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

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| **Exception Type** | **Exception Category** | **Total** |
| Compliance | ECOA | 63 |
| Compliance | TRID Defect | 23 |
| Compliance | ATR/QM Defect | 16 |
| Compliance | Missing Non-Required Data | 5 |
| Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 3 |
| Compliance | RESPA | 2 |
| Compliance | TRID | 1 |
| Compliance | State Defect | 1 |
| Compliance | ***Total Compliance Grade (B) Exceptions:*** | ***114*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **114** |
| Credit<br> B | Title | 50 |

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| Income / Employment | 2 |
| Guideline | 1 |
| ***Total Credit Grade (B) Exceptions:*** | ***53*** |
| **Total Credit Exceptions:** | **53** |
| **Total Property Exceptions:** | **0** |
| **Grand Total:** | **167** |

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#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the two hundred nineteen (219) mortgage loans reviewed, none (0) of the mortgage loans had tape discrepancies.

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|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Balloon Flag | 0 | 219 | 0.00% | 219 |
| Borrower First Name | 0 | 219 | 0.00% | 219 |
| Borrower Last Name | 0 | 219 | 0.00% | 219 |
| Borrower SSN | 0 | 219 | 0.00% | 219 |
| City | 0 | 219 | 0.00% | 219 |
| Investor: Qualifying Total Debt Ratio | 0 | 219 | 0.00% | 219 |
| Lender | 0 | 219 | 0.00% | 219 |
| Occupancy | 0 | 219 | 0.00% | 219 |
| Original CLTV | 0 | 219 | 0.00% | 219 |
| Original Interest Rate | 0 | 219 | 0.00% | 219 |
| Original Loan Amount | 0 | 219 | 0.00% | 219 |
| Original LTV | 0 | 219 | 0.00% | 219 |
| Originator Loan Designation | 0 | 219 | 0.00% | 219 |
| PITIA Reserves Months | 0 | 111 | 0.00% | 219 |
| Product Description | 0 | 219 | 0.00% | 219 |
| Property Type | 0 | 219 | 0.00% | 219 |
| Purpose | 0 | 219 | 0.00% | 219 |
| Refi Purpose | 0 | 9 | 0.00% | 219 |
| Representative FICO | 0 | 219 | 0.00% | 219 |
| State | 0 | 219 | 0.00% | 219 |
| Street | 0 | 219 | 0.00% | 219 |
| Zip | 0 | 219 | 0.00% | 219 |
| **Total** | **0** | **4500** | **0.00%** | **219** |

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#### ADDITIONAL LOAN POPULATION SUMMARY\*

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| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Fixed | 219 | 100.00% | $278473834.00 | 100.00% |
| **Total** | **219** | **100.00%** | **$278473834.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 219 | 100.00% | $278473834.00 | 100.00% |

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|:---|:---|:---|:---|:---|
| **Total** | **219** | **100.00%** | **$278473834.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 14 | 6.39% | $15334850.00 | 5.51% |
| First Time Home Purchase | 12 | 5.48% | $15243220.00 | 5.47% |
| Other-than-first-time Home Purchase | 92 | 42.01% | $109734486.00 | 39.41% |
| Rate/Term Refinance - Borrower Initiated | 101 | 46.12% | $138161278.00 | 49.61% |
| **Total** | **219** | **100.00%** | **$278473834.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 219 | 100.00% | $278473834.00 | 100.00% |
| **Total** | **219** | **100.00%** | **$278473834.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 130 | 59.36% | $163617353.00 | 58.76% |
| Condo, Low Rise | 9 | 4.11% | $11087811.00 | 3.98% |
| PUD | 73 | 33.33% | $96755510.00 | 34.74% |
| Townhouse | 4 | 1.83% | $3238960.00 | 1.16% |
| 1 Family Attached | 1 | 0.46% | $850000.00 | 0.31% |
| 2 Family | 2 | 0.91% | $2924200.00 | 1.05% |
| **Total** | **219** | **100.00%** | **$278473834.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 190 | 86.76% | $252093913.00 | 90.53% |
| Second Home | 29 | 13.24% | $26379921.00 | 9.47% |
| **Total** | **219** | **100.00%** | **$278473834.00** | **100.00%** |
| **TPR Loan Designation** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Safe Harbor QM (APOR) | 219 | 100.00% | $278473834.00 | 100.00% |
| **Total** | **219** | **100.00%** | **$278473834.00** | **100.00%** |

---

\*Tables may not add to 100% due to rounding.

14 \| P a g e

## Exhibit 99.1

![](situs_logo.jpg)

#### Rating Agency Grades

#### Run Date - 12/22/2025 2:09:22 PM

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| [redacted] | [redacted] | [redacted] | [redacted] | 13661658 |  | C | C | A | C | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 13462235 |  | C | B | C | C | B | B | A | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 17312943 |  | A | C | A | C | A | B | A | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 16033123 |  | A | C | A | C | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 12174578 |  | A | C | A | C | A | B | A | B |  |
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## Exhibit 99.1

![](situs_logo.jpg)

#### Exception Grades

#### Run Date - 12/22/2025 2:09:22 PM

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [redacted] | [redacted] | [redacted] | [redacted] | 13661658 | 33794511 |  | 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 $800.00 exceeds tolerance of $700.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $700.00 on LE but disclosed as $800.00 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 $100.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-08-27): XXXXX received valid COC dated XX/XX/XX<br>Reviewer Comment (2025-08-25): XXXXX received COC dated XX/XX/XX25 stating "Appraisal fee increased due to Complexity" However, we would require additional information as to what caused the property to be complex in order to increase appraisal fee. Kindly provide additional information for the fee increased or Cure would be due to borrower.<br>| 08/27/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13661658 | 33812534 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Third party business verification source document is not dated and therefore cannot be confirmed to meet guides. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-07): Received third party verification. Exception cleared.<br>| 10/07/2025 |  |  | 1<br> B<br> A<br> C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13661658 | 33812535 |  | 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. | Third party business verification source document is not dated and therefore cannot be confirmed to meet guides. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-05): Received third party verification. Exception cleared.<br>Reviewer Comment (2025-09-02): Client to review; the source doc used to complete the VVOE form is not dated.<br>Seller Comment (2025-08-26): (XXXXX) The date is at the top of the letter showing when it was completed<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13661658 | 33812538 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxyyyxxx | XXXXX statement reflects a large deposit of $250K that was unsourced or explained. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-29): Received LOX and source of funds documentation for large deposit of $250K from Vanguard, verified and updated the details. Exception Cleared.<br>Reviewer Comment (2025-09-22): Provided LOX for large deposit of $250K from Vanguard, However provided bank statement from Interactive Brokers which unable to verify that $250K has been withdrawn. Please provide copy of source document from Vanguard money market to verify that $250K has been withdrawn. Exception Remains.<br>Seller Comment (2025-09-19): (XXXXX) Vanguard statement has been uploaded<br>Reviewer Comment (2025-08-26): Provided LOX for large deposit of $250K is not suffice, As per bank statement borrower withdrawn on XX/XX/XX due to lower fee, higher interest paying. However please provide copy of source document from Vanguard money market to verify that $250K has been withdrawn. Exception Remains.<br>Seller Comment (2025-08-25): (XXXXX) uploaded the loe for the large dep.<br>| 09/29/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13661658 | 33812539 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | xxxyyyxxx | Third party business verification source document is not dated and therefore cannot be confirmed to meet guides. | xxxyyyxxx |  |  | Reviewer Comment (2025-08-25): Received third party business verification for borrower self employed income dated XX/XX/XX, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-08-24): (XXXXX) the date is at the top of the voe and the date and time is at the bottom of the business lookup<br>| 08/25/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13661658 | 33812542 |  | 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. | Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-07): Received third party verification. Exception cleared.<br>| 10/07/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13462235 | 34258687 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | CU score was greater than 2.5 or was not provided, and a desk review was not provided as required by guidelines. | CU Score: ___ | CU Score was Greaer than 2.5 and copy of Desk review validating original appraisal within -10% is missing. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-10): Received desk review. Exception cleared.<br>Seller Comment (2025-09-04): (XXXXX) Desk Review uploaded<br>| 09/10/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13462235 | 34258716 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 08/25/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13462235 | 34258738 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxyyyxxx | HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-05): Received replacement cost estimate for supporting the current coverage amount. Exception Cleared.<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13462235 | 34258759 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. (XXXXX/S-Corp) | xxxyyyxxx |  |  | Reviewer Comment (2025-08-28): Client elects to waive.<br>Reviewer Comment (2025-08-26): Client to review. Extension provided.<br>Reviewer Comment (2025-08-26): The file is missing the 2024 personal tax return. Evidence of extension provided in file for XXXXX. The file contained a copy of the 2023 1040's and 2024 and 2023 business returns.<br>| xxxyyyxxx |  | 08/28/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17312943 | 34231232 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Total Fees financed by lender exceed permitted threshold. HOEPA Disclosure is not located in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-05): Received undiscounted rate/price. Exception cleared.<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | NV | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17312943 | 34231237 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Total fees financed by lender exceed permitted threshold. Late charge exceeds max of 4% of amount past due and/or grace period of 15 days. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-05): Received undiscounted rate/price. Exception cleared.<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | NV | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17312943 | 34231248 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Total fees financed by lender is $XXXX. Threshold maximum is $XXXX Lender HOEPA threshold calculation, per compliance report, did not reduce fees from Finance Charge as required resulting in false higher threshold calculation. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-05): Received undiscounted rate/price. Exception cleared.<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | NV | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17312943 | 34231254 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $XXXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $882.50 or .10868%). Non-Compliant High Cost Loan. | Total fees financed by lender is $XXXX. Threshold maximum is $XXXX | xxxyyyxxx |  |  | Reviewer Comment (2025-09-05): Received undiscounted rate/price. Exception cleared.<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | NV | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 17312943 | 34231267 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXXX or XXXX%). | Points and Fees exceed allowable threshold by $XXXX or 2.08836%. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-05): Received undiscounted rate/price. Exception cleared.<br>Seller Comment (2025-08-29): Please see attached loan discount points form to support exclusion of 2 bona fide points ($17135) from QM points & fees calculation.<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | NV | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17312943 | 34231271 |  | Compliance | Compliance | State Compliance | State Defect | Nevada Home Loan (Home Loan Legend Not on Security Instrument) | XXXXX Home Loan: Mortgage, Deed, or other instrument does not expressly indicate that loan is a "home loan" in at least 14 point font. | Mortgage, Deed, or other instrument does not expressly indicate that loan is a "home loan" in at least 14 point font. | xxxyyyxxx |  |  | Reviewer Comment (2025-08-28): Client elects to waive.<br>| xxxyyyxxx |  | 08/28/2025 | 2<br> B |  | NV | Primary | Refinance - Cash-out - Other | No obvious cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17312943 | 34231273 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-05): Received undiscounted rate/price. Exception cleared.<br>| 09/05/2025 |  |  | 1<br> B<br> A<br> C |  | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 17312943 | 34231646 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Total fees financed by lender exceed permitted threshold. Pre-Loan Counseling status if not located in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-05): Received undiscounted rate/price. Exception cleared.<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | NV | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17312943 | 34231674 |  | 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 Of Income Fee. Fee Amount of $49.63 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Verification of Income Fee was last disclosed as $0.00 on LE but disclosed as $49.63on 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 $49.63 , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-03): XXXXX received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Seller Comment (2025-08-29): Please see attached<br>| 09/03/2025 |  |  | 1<br> C<br> A |  | NV | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 16033123 | 34213542 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-05): Received undiscounted rate/price. Exception cleared.<br>| 09/05/2025 |  |  | 1<br> B<br> A<br> C |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 16033123 | 34213543 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXXX or XXXX%). | Points and Fees exceed allowable threshold by $XXXX or XXXX%. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-05): Received undiscounted rate/price. Exception cleared.<br>Seller Comment (2025-08-29): Please see attached loan discount points form to support exclusion of 2 bona fide points ($20500) from QM points & fees calculation.<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12174578 | 34498250 |  | 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 $-2,587.00 exceeds tolerance of $-3,600.00. Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed as -$3,600.00 on LE but disclosed as -$2,587.00 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 $1,013.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-17): XXXXX Received Valid COC along with supporting comments on the exception.<br>Seller Comment (2025-11-14): LI XX/XX/XX and this loan did not close until 8/27 which required the relock.<br>Reviewer Comment (2025-11-11): XXXXX received CD dated XX/XX/XX with reason that loan was relocked with changed pricing, however, this does not provide sufficient information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in the relock of the loan and change in pricing/closing costs while the loan is still within the lock period.<br>Seller Comment (2025-11-11): Please see the attached CofC from 8/21 to increase the cost of the rate due to a relock. A Closing Disclosure went out to the borrower on the same day.<br>| 11/17/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12174578 | 34528438 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 09/25/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14195161 | 34763077 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/22/2025 | 2<br> B |  | FL | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14182398 | 34495018 |  | 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 $900.00 exceeds tolerance of $800.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $800.00 on LE, but disclosed as $900.00 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 $100.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-16): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-10-14): XXXXX received proof of mailing and LOX for $120. However, copy of refund check and Post CD for $120 is missing from the file. The Total cure requirement is of $720 (Appraisal fee $100; Second Appraisal fee $500 and Collateral Desktop $120). In order to Cure all the exception, kindly provide below documents.<br> 1) Copy of check for $120.<br> 2) Post CD for Cure Docs of $120.<br> 3) Cure Docs for additional Cure $500. Cure Docs Consists of Post CD, LOX, Copy of refund check and proof of mailing.<br>| 10/16/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 14182398 | 34495019 |  | 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 $500.00 exceeds tolerance of $0.00. $500.00 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on LE, but disclosed as $500.00 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 $500.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-24): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-10-22): XXXXX received Post CD,LOX,Copy of refund check and proof of mailing. XXXXX tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Reviewer Comment (2025-10-16): XXXXX received proof of mailing and LOX for $120. However, copy of refund check and Post CD for $120 is missing from the file. The Total cure requirement is of $620 (Second Appraisal fee $500 and Collateral Desktop $120). In order to Cure all the exception, kindly provide below documents.<br> 1) Copy of check for $120.<br> 2) Post CD showing Cure Docs of $620.<br> 3) Cure Docs for additional Cure $500. Cure Docs Consists of Post CD, LOX, Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-10-14): XXXXX received proof of mailing and LOX for $120. However, copy of refund check and Post CD for $120 is missing from the file. The Total cure requirement is of $620 (Second Appraisal fee $500 and Collateral Desktop $120). In order to Cure all the exception, kindly provide below documents.<br> 1) Copy of check for $120.<br> 2) Post CD showing Cure Docs of $620.<br> 3) Cure Docs for additional Cure $500. Cure Docs Consists of Post CD, LOX, Copy of refund check and proof of mailing.<br>| xxxyyyxxx | 10/24/2025 |  | 2<br> C<br> B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 14182398 | 34495020 |  | 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 XXXXX. Fee Amount of $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. | XXXXX Fee was not disclosed on LE, but disclosed as $120.00 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 $120.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-24): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Reviewer Comment (2025-10-22): XXXXX receied Post CD,LOX, and proof of mailing. However, we would also require copy of refund check for $120 in order to cure the exception.<br>Seller Comment (2025-10-21): (XXXXX) The cure for $120 was not handled before or at closing it was handled after closing. So the total for cures on this file should be $720. The PCCD uploaded reflects that.<br>Reviewer Comment (2025-10-16): XXXXX received proof of mailing and LOX for $120. However, copy of refund check and Post CD for $120 is missing from the file. The Total cure requirement is of $620 (Second Appraisal fee $500 and Collateral Desktop $120). In order to Cure all the exception, kindly provide below documents.<br> 1) Copy of check for $120.<br> 2) Post CD showing Cure Docs of $620.<br> 3) Cure Docs for additional Cure $500. Cure Docs Consists of Post CD, LOX, Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-10-14): XXXXX received proof of mailing and LOX for $120. However, copy of refund check and Post CD for $120 is missing from the file. The Total cure requirement is of $720 (Appraisal fee $100; Second Appraisal fee $500 and Collateral Desktop $120). In order to Cure all the exception, kindly provide below documents.<br> 1) Copy of check for $120.<br> 2) Post CD for Cure Docs of $120.<br> 3) Cure Docs for additional Cure $500. Cure Docs Consists of Post CD, LOX, Copy of refund check and proof of mailing.<br>| xxxyyyxxx | 10/24/2025 |  | 2<br> C<br> B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 14182398 | 34495065 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-01): Client elects to waive.<br>Reviewer Comment (2025-09-24): Client to review. Extension provided.<br>| xxxyyyxxx |  | 10/01/2025 | 2<br> B |  | TX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14182398 | 34495066 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-01): Client elects to waive.<br>Reviewer Comment (2025-09-24): Client to review. Extension provided.<br>| xxxyyyxxx |  | 10/01/2025 | 2<br> B |  | TX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13519152 | 34476112 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 09/22/2025 | 2<br> B |  | TN | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13519152 | 34476185 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxyyyxxx | HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-29): Received supporting documents to verify that increased dwelling coverage $580,000, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-09-26): Uploaded.<br>Seller Comment (2025-09-26): The total dwelling coverage of $1, 1740,000.00 which bypasses the Loan Amount per the email below and per the highlighted binder that is attached<br>Reviewer Comment (2025-09-26): Provided Hazard Insurance policy, we have 3 dwelling extension coverage amounts, please provide clarification which amount should be used, Exception remains.<br>Seller Comment (2025-09-25): Doc uploaded.<br>Reviewer Comment (2025-09-25): As per provided LOX document stating extended dwelling coverage is $XXX, However which is higher (180%) than the dwelling coverage amount. Please provide updated policy reflecting minimum coverage of $XXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception Remains.<br>Seller Comment (2025-09-25): UW memo uplaoded<br>Reviewer Comment (2025-09-24): On Hazard policy, we have 3 dwelling extension coverage amount, please provide clarification which amount should be used, since the document provided is not clear. Exception remains.<br>Seller Comment (2025-09-23): I think this condition is an error. Here are the notes for the current insurance:<br>Efctv 9-1 \* $1,960-owed \* Cvg $1.7M ok<br> Efctv 9-1 \* Policy # ok \* Term: 9-1-25 to 9-1-26 \* 4155 Outer Dr Nashville TN 37204 \* mtgee ok \* Dwelling > $1,160,000 - replacement cost increased dwelling up to $580,000 = $1,740,000 \* Deductible $1,000 to 1% $11,600<br>| 09/29/2025 |  |  | 1<br> C<br> A |  | TN | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 18978933 | 34527597 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-30): Lump sum credit applied and undiscounted rate updated per QM Fee Test Worksheet. Exception cleared.<br>Seller Comment (2025-10-28): Please see attached<br>Reviewer Comment (2025-10-09): There is a $10,000 seller credit and credit itemization showing $8805 is for discount points and $1195 is for commitment fee. However, there is no commitment fee on the CD, only a $1195 underwriting fee. As the QM fee overage is $10,359.79, the credit towards discount points only would not be sufficient to clear the QM fee violation. Please provide a corrected credit itemization that shows the remainder of the credit going towards a fee that's on the CD. Exception remains.<br>Seller Comment (2025-09-30): "CT 9/30: See attached passing QM test with highlighted APR and APOR calculation reflecting less than 1.5%. The difference between the APR vs APOR is 0.319%, and calculation portion. The price of the undiscounted rate is $0.00, there is no charge for undiscounted (also known as PAR) rate.<br> XXXX%"<br>| 10/30/2025 |  |  | 1<br> B<br> A<br> C |  | CO | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 18978933 | 34527598 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXXX or XXXX%). | XXXXX Points and Fees exceed allowable threshold by $XXXX or XXXX%. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-30): Lump sum credit applied and undiscounted rate updated per QM Fee Test Worksheet. Exception cleared.<br>Seller Comment (2025-10-28): Please see attached<br>Reviewer Comment (2025-10-09): There is a $10,000 seller credit and credit itemization showing $8805 is for discount points and $1195 is for commitment fee. However, there is no commitment fee on the CD, only a $1195 underwriting fee. As the QM fee overage is $10,359.79, the credit towards discount points only would not be sufficient to clear the QM fee violation. Please provide a corrected credit itemization that shows the remainder of the credit going towards a fee that's on the CD. Exception remains.<br>Seller Comment (2025-09-30): "CT 9/30: See attached passing QM test with highlighted APR and APOR calculation reflecting less than 1.5%. The difference between the APR vs APOR is 0.319%, and calculation portion. The price of the undiscounted rate is $0.00, there is no charge for undiscounted (also known as PAR) rate.<br> XXXX%"<br>| 10/30/2025 |  |  | 1<br> C<br> A |  | CO | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16822472 | 34393541 |  | 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 $619.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $619.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-06): XXXXX received PCCD and LOE<br>Reviewer Comment (2025-09-26): XXXXX received PCCD and LOE, however we also require copy of refund check & proof of mailing.<br>| 10/06/2025 |  |  | 1<br> C<br> A |  | WA | 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<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 16822472 | 34649784 |  | 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 $XXXX exceeds tolerance of $XXX plus 10% or $XXX. $316.90 over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower | xxxyyyxxx |  |  | Reviewer Comment (2025-10-06): XXXXX received PCCD, LOE, proof of mailing & copy of refund check.<br>| xxxyyyxxx | 10/06/2025 |  | 2<br> B |  | WA | 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<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10721335 | 34723718 |  | Compliance | Compliance | State Compliance | State Defect | XXXXX SB 1894 | XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-27): Disclosure received.<br>Seller Comment (2025-10-23): TF 10/23 Please see attached Certificate of Compliance or Exemption<br>| 10/27/2025 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10721335 | 34723719 |  | 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. | Evidence of earlier borrower receipt was not found in file | xxxyyyxxx |  |  | Reviewer Comment (2025-10-20): XXXXX received initial CD dated 09/15.<br>Seller Comment (2025-10-17): TF 10/17 Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on 9/15 and the mailbox rule was applied. This meets the 7 business days before the closing date of 9.25.<br>| 10/20/2025 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10617664 | 34579250 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | xxxyyyxxx | The file was missing a copy of the flood certificate. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Received flood certificate document for subject property, verified and updated the details. Exception Cleared.<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | VA | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10617664 | 34579260 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | xxxyyyxxx | The file was missing a copy of the divorce decree. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Received court judgment document for spousal support $4,000, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-10-09): (XXXXX) uploaded the divorce decree showing there is no child support only spousal support paid<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | VA | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11686555 | 34393556 |  | 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 $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $160.90 due to increase of Title - Lender's Title Insurance fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $160.90, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-06): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>| xxxyyyxxx | 10/06/2025 |  | 2<br> C<br> B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12920762 | 34364098 |  | 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 $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $0.00 on LE but disclosed as $125.00 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 $125.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-16): XXXXX received LOX.<br>Seller Comment (2025-09-15): lox signed<br>Seller Comment (2025-09-15): See lox<br>Seller Comment (2025-09-15): LOX<br>Reviewer Comment (2025-09-15): XXXXX is unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Seller Comment (2025-09-12): Please waive. The Survey Fee is in section C of the CD. No cure required.<br>| 09/16/2025 |  |  | 1<br> C<br> A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13423890 | 34543134 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | xxxyyyxxx | VOE provided XX/XX/XX. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-21): VVOE provided post closing is acceptable per guidelines. Per XXXXX guidelines - "Lenders also have the option of obtaining the verbal VOE after the note date (and prior to the delivery of the loan to XXXXX)." Exception cleared.<br>Reviewer Comment (2025-10-21): The documents received are post-closed. In accordance with guidelines, Verbal Verification of Employment (VVOE) is required for all wage-earner borrowers and must be completed within 10 calendar days of closing. The VVOE must include the contact's name, title, and phone number; company name and address; and the borrower's job title and description. Exception Remains.<br>| 10/21/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13423890 | 34543135 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | xxxyyyxxx | VOE provided XX/XX/XX. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-21): VVOE provided post closing is acceptable per guidelines. Per XXXXX guidelines - "Lenders also have the option of obtaining the verbal VOE after the note date (and prior to the delivery of the loan to XXXXX)." Exception cleared.<br>Reviewer Comment (2025-10-21): The documents received are post-closed. In accordance with guidelines, Verbal Verification of Employment (VVOE) is required for all wage-earner borrowers and must be completed within 10 calendar days of closing. The VVOE must include the contact's name, title, and phone number; company name and address; and the borrower's job title and description. Exception Remains.<br>| 10/21/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14780853 | 34700640 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/14/2025 | 2<br> B |  | CO | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14780853 | 34700642 |  | 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 $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $90.00 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 $90.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/10/2025 |  | 1<br> A |  | CO | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 17223660 | 34550113 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 09/30/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17223660 | 34550265 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $XXXX is under disclosed by $96.95 compared to the calculated total of payments of $XXXX. which exceeds the $35.00 threshold. | Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $XXXX is under disclosed by $96.95 compared to the calculated total of payments of $XXXX which exceeds the $35.00 threshold. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-12): XXXXX received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Seller Comment (2025-11-11): Please see the attached Letter of Explanation, Corrected Right to Cancel, and proof of delivery.<br>Reviewer Comment (2025-10-29): 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. Reopening of RTC and Proof of Delivery is required to complete cure.<br>Seller Comment (2025-10-28): Please see the attached Letter of Explanation, Corrected Closing Disclosure, Refund Check, and proof of delivery.<br>| xxxyyyxxx | 11/12/2025 |  | 2<br> C<br> B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 17223660 | 34550266 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,873.05 exceeds tolerance of $-5,000.00. Sufficient or excess cure was provided to the borrower. | Lender Credits Fee was last disclosed as -$5,000.00 on LE but disclosed as -$4,873.05 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 $126.95, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-25): Sufficient Cure Provided within 60 Days of Closing<br>| xxxyyyxxx | 09/25/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 17223660 | 34589705 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 09/30/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12239840 | 34641251 |  | 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 XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-14): XXXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-10-13): Corrected PC CD<br>| xxxyyyxxx | 10/14/2025 |  | 2<br> C<br> B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12239840 | 34641270 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>|  |  | 10/08/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12239840 | 34641430 |  | 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 Temporary Buydown. Fee Amount of $XXXX exceeds tolerance of $0.00. $XXX over legal limit. Insufficient or no cure was provided to the borrower. | Temporary Buydown Fee was last disclosed as $0.00 on LE but disclosed as $XXXX. 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 $XXXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-14): XXXXX received corrected PCCD and LOE updating the correct paid by for buydown fee.<br>Seller Comment (2025-10-13): Corrected PCCD<br>| 10/14/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12239840 | 34664180 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Final CD shows the Buydown Fee as Seller paid, however post-closing CD and Final Alta settlement statement show its Borrower paid. The Buydown agreement doesn't specify who pays the Buydown fee, but it's not signed by the seller. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-14): XXXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-10-13): PC CD shows correct buydown paid party<br>| xxxyyyxxx | 10/14/2025 |  | 2<br> C<br> B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12239840 | 34664248 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxyyyxxx | Gift funds are missing evidence of receipt/deposit. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-13): Received deposit receipt and wire confirmation document for Gift fund $160,000, verified and updated the details. Available funds are sufficient for closing. Exception Cleared.<br>Seller Comment (2025-10-10): Subject property is in CA which is DRY state. WE do not fund on the NOTE date. Loan funded on 9/25. Please refer to the PC CD issued on 10/2 which shows the disbursement date on 9/26. Thank you.<br>Reviewer Comment (2025-10-10): Provided deposit receipt and wire confirmation document for Gift fund $160,000 dated XX/XX/XX5, which is post note dated. Please provide deposit receipt, wire confirmation and source of documentation prior to the note date for gift fund. Exception Remains.<br>Seller Comment (2025-10-09): proof of gift fund<br>| 10/13/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19392157 | 34402835 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 09/16/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19392157 | 34476078 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxyyyxxx | xxxyyyxxx |  |  |  |  |  | 09/16/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14811789 | 34398782 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-0.10. Sufficient or excess cure was provided to the borrower at Closing. | Lender Credits was last disclosed as -$0.10 on LE but disclosed as $0.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-10): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 09/10/2025 |  | 1<br> A |  | MT | Primary | Refinance - Rate/Term | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13582259 | 34701254 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $15.00 exceeds tolerance of $0.00. $15.00 over legal limit. Insufficient or no cure was provided to the borrower. | Title - Recording Service Fee was last disclosed as $0.00 on LE but disclosed as $15.00 on Final Closing Disclosure. File does not contain as valid COC for this fee , nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure include $15.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-20): Upon further review consumer within 0% tolerance requirements.<br>Seller Comment (2025-10-17): Compliance Response: The finding is not valid. The fees in question were not paid to an affiliate and therefore do not fall under the zero-tolerance category. According to the CFPBs guidance, creditors are afforded flexibility in disclosing individual fees, with emphasis placed on the aggregate amount of charges subject to the 10% cumulative tolerance. As outlined in Comment 19(e)(3)(ii)-2, a creditor XXXXX impose a fee that falls within the 10% tolerance category even if it was not disclosed on the Loan Estimate provided that the total of all fees in this category does not exceed the sum of estimated charges by more than 10%. Based on this framework, the fee was properly disclosed and does not constitute a tolerance violation. Initial LE (Closing, Courier, Recording) $1057 Consummation CD (Closing, Courier, Recording, Opinion, Recording Service) $810<br>| 10/20/2025 |  |  | 1<br> C<br> A |  | SC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13582259 | 34701255 |  | 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 - Service Charges. Fee Amount of $125.00 exceeds tolerance of $0.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. | Title - Service charges fee was last disclosed as $0.00 on LE but disclosed as $125.00 on Final Closing Disclosure. File does not contain as valid COC for this fee , nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure include $125.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-20): Upon further review consumer within 0% tolerance requirements.<br>Seller Comment (2025-10-17): Compliance Response: The finding is not valid. The fees in question were not paid to an affiliate and therefore do not fall under the zero-tolerance category. According to the CFPBs guidance, creditors are afforded flexibility in disclosing individual fees, with emphasis placed on the aggregate amount of charges subject to the 10% cumulative tolerance. As outlined in Comment 19(e)(3)(ii)-2, a creditor XXXXX impose a fee that falls within the 10% tolerance category even if it was not disclosed on the Loan Estimate provided that the total of all fees in this category does not exceed the sum of estimated charges by more than 10%. Based on this framework, the fee was properly disclosed and does not constitute a tolerance violation. Initial LE (Closing, Courier, Recording) $1057 Consummation CD (Closing, Courier, Recording, Opinion, Recording Service) $810<br>| 10/20/2025 |  |  | 1<br> C<br> A |  | SC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13582259 | 34701362 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/14/2025 | 2<br> B |  | SC | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13582259 | 34701574 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $125.00 compared to the calculated Amount Financed of $XXXX 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 XX/XX/XX). | Finance charge disclosed is $XXXX. Calculated finance charge is $XXXX. Variance $125.00. Based on review Title - Service Charge in Section B was not included in finance calculation. 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-30): XXXXX received lender rebuttal and attestation that the title-opinion fee is attorney opinion for issuance of title insurance to confirm purpose & services.<br>Seller Comment (2025-10-29): Compliance Response:<br> We respectfully disagree with your determination that the Amount Financed and Financed Charged were calculated incorrectly. Upon review, the discrepancy noted in the Amount Financed and Finance Charge calculations stems from the classification of the Title Attorney Opinion Fee disclosed in Section B of the Closing Disclosure.<br> The fee in question is categorized as a Title Attorney Opinion Fee, not a Title Service Charge. This distinction is critical for TRID calculations:<br>• A Title Service Charge typically includes charges for title searches, insurance, and related services provided by a title company. These fees are generally prepaid finance charges and must be included in the Finance Charge and Amount Financed calculations.<br> • A Title Attorney Opinion Fee, however, is a charge for a legal opinion provided by a licensed attorney regarding the validity of the property's title. This fee is not considered a prepaid finance charge under Regulation Z, and therefore should not be included in the Finance Charge or Amount Financed.<br>The $125.00 fee was correctly excluded from the Finance Charge and Amount Financed calculations based on its nature and regulatory treatment. As such, the disclosed figures on the Final Closing Disclosure dated XX/XX/XX are accurate and compliant with TRID requirements.<br>| 10/30/2025 |  |  | 1<br> C<br> A |  | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13582259 | 34701575 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $125.00 compared to the calculated Amount Financed of $XXXX 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 XX/XX/XX). | Finance charge disclosed is $XXXX. Calculated finance charge is $XXXX. Variance $125.00. Based on review Title - Service Charge in Section B was not included in finance calculation. 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-30): XXXXX received lender rebuttal and attestation that the title-opinion fee is attorney opinion for issuance of title insurance to confirm purpose & services.<br>Seller Comment (2025-10-29): Compliance Response:<br> We respectfully disagree with your determination that the Amount Financed and Financed Charged were calculated incorrectly. Upon review, the discrepancy noted in the Amount Financed and Finance Charge calculations stems from the classification of the Title Attorney Opinion Fee disclosed in Section B of the Closing Disclosure.<br> The fee in question is categorized as a Title Attorney Opinion Fee, not a Title Service Charge. This distinction is critical for TRID calculations:<br>• A Title Service Charge typically includes charges for title searches, insurance, and related services provided by a title company. These fees are generally prepaid finance charges and must be included in the Finance Charge and Amount Financed calculations.<br> • A Title Attorney Opinion Fee, however, is a charge for a legal opinion provided by a licensed attorney regarding the validity of the property's title. This fee is not considered a prepaid finance charge under Regulation Z, and therefore should not be included in the Finance Charge or Amount Financed.<br>The $125.00 fee was correctly excluded from the Finance Charge and Amount Financed calculations based on its nature and regulatory treatment. As such, the disclosed figures on the Final Closing Disclosure dated XX/XX/XX are accurate and compliant with TRID requirements.<br>| 10/30/2025 |  |  | 1<br> C<br> A |  | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 15372390 | 34944144 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-12-01): XXXXX received XX/XX/XX Initial CD, 3 business days prior to the consummation.<br>Seller Comment (2025-11-26): TF 11/26 Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on 8.22 and the mailbox rule was applied. This meets the 7 business days before the closing date of 9.16.<br>| 12/01/2025 |  |  | 1<br> C<br> A |  | CT | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15964311 | 34805877 |  | 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 $123.60 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $120.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/27/2025 |  | 1<br> A |  | CT | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 15691031 | 34597276 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 1.42 is less than Guideline PITIA months reserves of 3.00. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Received borrowers asset documents, verified and updated the details. Available funds are sufficient for closing and reserves. Exception Cleared.<br>Seller Comment (2025-10-09): Please see the attached asset statements to satisfy the condition.<br>Seller Comment (2025-10-09): Please see the attached asset statements<br>Reviewer Comment (2025-10-08): Final 1003 and DU reflect assets, however there were no bank statements provided to verify the assets. The only asset verified in the file was the proceeds from the sale of property. Exception remains.<br>Reviewer Comment (2025-10-08): As per guidelines Loan amount >1mm required 3 months PITIA reserves. And the final 1003 reflects the borrower's assets, however, to verify and calculate these assets, please provide the borrower's bank statements. Exception Remains.<br>Seller Comment (2025-10-07): Please see the attached response from the underwriter and advise.<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15691031 | 34597285 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Received borrowers asset documents, verified and updated the details. Available funds are sufficient for closing and reserves. Exception Cleared.<br>Seller Comment (2025-10-09): Please see the attached asset statements<br>| 10/10/2025 |  |  | 1<br> B<br> A<br> C |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 15691031 | 34597286 |  | 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. | Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Received borrowers asset documents, verified and updated the details. Available funds are sufficient for closing and reserves. Exception Cleared.<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12885220 | 34952387 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | xxxyyyxxx |  |  |  |  | Reviewer Comment (2025-11-17): Received title commitment document for subject property, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-11-14): 11/14 RF please see attached please clear thank you<br>| 11/17/2025 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10404043 | 34499851 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | xxxyyyxxx | File is missing a copy of Initial Rate Lock Date document. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-02): Received rate lock document dated XX/XX/XX, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-10-01): Initial Rate Lock Document<br>Seller Comment (2025-10-01): Please see Gift Letter and source of funds<br>Seller Comment (2025-10-01): Please see attached Initial Rate Lock.<br>| 10/02/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10404043 | 34499936 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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 field review was delivered to borrower was not provided. | xxxyyyxxx |  |  |  |  |  | 09/25/2025 | 2<br> B |  | AZ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10404043 | 34499937 |  | 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. | 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. | xxxyyyxxx |  |  |  |  |  | 09/25/2025 | 2<br> B |  | AZ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10404043 | 34515630 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | xxxyyyxxx | Missing source of funds and evidence of receipt for Gift funds in the amount of $XXXX. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-02): Received Gift fund documents Gift letter, deposit receipt and wire confirmation amount of $260,000, $20,000. the same has been considered. Available funds are sufficient for closing and reserves. Exception Cleared.<br>| 10/02/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10404043 | 34515631 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | xxxyyyxxx | Earnest money deposit of $20,000 originates from source other than the borrower, however the gift letter is not provided. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-02): Received Gift fund documents Gift letter, deposit receipt and wire confirmation amount of $260,000, $20,000. the same has been considered. Exception Cleared.<br>Seller Comment (2025-10-01): Please see gift letter for $20,000<br>| 10/02/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10404043 | 34515642 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxyyyxxx | Verified liquid assets in the amount of $57,102.07 are insufficient to meet cash to close of $XXXX. Due to gift funds not being adequately documented. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-02): Received Gift fund documents Gift letter, deposit receipt and wire confirmation amount of $260,000, $20,000. the same has been considered. Exception Cleared.<br>Seller Comment (2025-10-01): received gift funds<br>| 10/02/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10404043 | 34515643 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | xxxyyyxxx | Calculated Available for Reserves of $0.00 is less than AUS Available for Reserves of $1,285.00. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-02): Received Gift fund documents Gift letter, deposit receipt and wire confirmation amount of $260,000, $20,000. the same has been considered. Exception Cleared.<br>Seller Comment (2025-10-01): Please see Gift Documentation for verification of funds.<br>Seller Comment (2025-10-01): gift letter<br>| 10/02/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10404043 | 34515644 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxyyyxxx | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-02): Received Gift fund documents Gift letter, deposit receipt and wire confirmation amount of $260,000, $20,000. the same has been considered. Exception Cleared.<br>| 10/02/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10404043 | 34515645 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): 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. Due to assets not being adequately documented. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-02): Received Gift fund documents Gift letter, deposit receipt and wire confirmation amount of $260,000, $20,000. the same has been considered. Available funds are sufficient for closing and reserves. Exception Cleared.<br>Seller Comment (2025-10-01): Please see Gift Documentation for verification of funds.<br>| 10/02/2025 |  |  | 1<br> B<br> A<br> C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10404043 | 34515646 |  | 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. | Based on the loan failing the Asset guideline components, the loan is at QM risk. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-02): Received Gift fund documents Gift letter, deposit receipt and wire confirmation amount of $260,000, $20,000. the same has been considered. Available funds are sufficient for closing and reserves. Exception Cleared.<br>Seller Comment (2025-10-01): Please see Gift Documentation for verification of funds.<br>| 10/02/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16920148 | 34475620 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-23): XXXXX received initial CD dated 08/29.<br>Seller Comment (2025-09-23): TF 9/23 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on 8/29 and consented to it on 8/29. This meets the 3 business days before the closing date of 9/5.<br>| 09/23/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Cash-out - Other | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16920148 | 34475621 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 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 $92.70, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-16): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 09/16/2025 |  | 1<br> A |  | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 16920148 | 34475622 |  | 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. | Right of Rescission Disclosure is missing from file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-09): Seller provided Letter of Explanation (D0892), Proof of Delivery (D0897, delivered XX/XX/XX), and Re-opened Rescission using the correct model form (D0894). Exception cured.<br>Seller Comment (2025-10-06): CT 10/6: Please see the attached remediation with proof of delivery //<br>| xxxyyyxxx | 10/09/2025 |  | 2<br> C<br> B |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 16920148 | 34475652 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 09/22/2025 | 2<br> B |  | WA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10554885 | 34595456 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  |  | 09/29/2025 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17886650 | 34519285 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 09/29/2025 | 2<br> B |  | TN | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17886650 | 34519495 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $XXXX is under disclosed by $114.25 compared to the calculated total of payments of $XXXX which exceeds the $35.00 threshold. | Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $XXXX is under disclosed by $114.25 compared to the calculated total of payments of $XXXX which exceeds the $35.00 threshold. | xxxyyyxxx |  |  | Reviewer Comment (2025-12-03): Based on document 449 and 458 when compared to PCCD, I am comfortable clearing the TOP exception.<br>Seller Comment (2025-12-03): The borrower was not charged for credit report fee. The PCCD with the fee in wrong column was an error. This was corrected with another PCCD to correctly redisclose. Title does not have a final settlement statement, their company doesnt use them. However they have provided their signature of approval that the CD provided was true and certified by title. Also, I will now attached the disbursement ledger that title provided us, the top item on page 1 of it shows the wire of funds that borrower brought to closing was $5993.96. This balances to the CD at closing with borrowers cash to close showing $5993.96 that does not include charge for a credit report. I will reupload that CD now for reference as well. There is nothing else we can provide that shows this didnt happen. We will give a lender attestation as well if needed.<br>Reviewer Comment (2025-11-26): XXXXX re-received the Final CD issued 9-XX-25. XXXXX did not receive the requested Final Settlement Statement which would confirm the credit report was paid by other. Credit Report reflects $228.50 paid by other on 9-XX-25 Final CD, but was updated to $114.25 paid by borrower on the 9-XX-25 PCCD. Since the PCCD reflects the borrower paying, the Section D total increased and the TOP was underdisclosed by $114.25 (the added borrower credit report fee) If this fee was not paid by borrower and was paid by other, we would require a Corrected CD, LOE to borrower correcting the fee and a copy of a signed Final Settlement Statement that matches that borrower was not charged fee.<br>Seller Comment (2025-11-25): Please see the attached true and certified statement provided by the title agent.<br>Reviewer Comment (2025-11-21): Please provide a copy of the final settlement statement for review and verification of amounts.<br>Seller Comment (2025-11-19): Please see the attached Letter of Explanation, Corrected Closing Disclosure, and proof of delivery which shows the credit report was POC by the broker without reimbursement.<br>Reviewer Comment (2025-11-12): Fees increased on 9-18-25 Corrected CD from the Final CD in Section D which TOP calculation reflects at closing the Final CD was then underdisclosed and cure would be due to borrower. TOP was underdisclosed $114.25. Cure with Corrected CD, LOE to borrower for $114.25, proof of mailing and proof of reopenign of rescission as this is a material disclosure violation on a rescindable transaction.<br>Seller Comment (2025-11-11): Disagree - the PCCD provided by our Post-Closing team incorrect changed the credit report fee to paid by borrower at closing, however this was POC by the broker and they requested no reimbursement.<br>| 12/03/2025 |  |  | 1<br> C<br> A |  | TN | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10977929 | 34581416 |  | 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. | Right of Rescission Disclosure is missing from file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-23): Seller provided the following: Letter of Explanation (D0386), Proof of Delivery (D0393 - delivered XX/XX/XX), and Re-open Rescission using the correct model form (D0387,D0389). Exception cured.<br>Seller Comment (2025-10-21): Please see the attached Letter of Explanation, Corrected Right to Cancel, Final Closing Disclosure, and proof of delivery.<br>| xxxyyyxxx | 10/23/2025 |  | 2<br> C<br> B |  | CO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 11613638 | 34624542 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-14): XXXXX received initial CD dated 09/11.<br>Seller Comment (2025-10-13): TF XX/XX/XX.<br>| 10/14/2025 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10486351 | 34530724 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 09/29/2025 | 2<br> B |  | TX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12467367 | 34319977 |  | 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 $665.00 exceeds tolerance of $500.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $500.00 on LE but disclosed as $665.00 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 $165.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-09-08): Appraisal Fee was cured on final CD as lender Credit. See COC prior to final CD.<br>| 09/09/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12467367 | 34319978 |  | 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 $400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on LE but disclosed as $400.00 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 $400.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-09): XXXXX received email confirmation for title required survey.<br>Seller Comment (2025-09-08): Survey Fee Attestation<br>| 09/09/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12467367 | 34391633 |  | 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 $665.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 09/09/2025 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10818672 | 34519903 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 09/26/2025 | 2<br> B |  | WA | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10818672 | 34519904 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 09/26/2025 | 2<br> B |  | WA | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10818672 | 34520446 |  | 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 $875.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $150.00 on LE but disclosed as $875.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, however evidence of cure in file in the amount of $725.00 | xxxyyyxxx |  |  | Reviewer Comment (2025-09-22): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 09/22/2025 |  | 1<br> A |  | WA | Primary | Purchase | Final CD evidences Cure<br> D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10818672 | 34520480 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | xxxyyyxxx | File is missing a copy of Security Instrument document. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-29): Received Security Instrument document for subject property, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-09-29): Please see Security Instrument.<br>| 09/29/2025 |  |  | 1<br> D<br> A |  | WA | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10387146 | 34684074 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/13/2025 | 2<br> B |  | MA | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15307100 | 34640525 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/08/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15307100 | 34640534 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/08/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 18926409 | 34590882 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/02/2025 | 2<br> B |  | AZ | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 18926409 | 34590947 |  | 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 $-2,360.47 exceeds tolerance of $-3,250.80. Insufficient or no cure was provided to the borrower. | Lender Credit Fee was last disclosed as $$-3,250.80 on LE but disclosed as $-2,360.47 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 $890.33 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-13): XXXXX received valid rate lock document<br>Seller Comment (2025-10-09): On 9/XX there was a 3 day lock extension added to the file which caused there to be an adjustment to the price which decreased the credit for the rate. On Wholesale loans lock actions are acceptable changes in circumstance. A Closing Disclosure went out to the borrower on the same day. Please see the attached Closing Disclosure and Lock Confirmation.<br>| 10/13/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 18926409 | 34590948 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $5,027.21 exceeds tolerance of $5,027.20. $0.01 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee was last disclosed as $5,027.20 on LE but disclosed as $5,027.21 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 $0.01 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-28): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-10-27): Please see the attached Letter of Explanation, Corrected Closing Disclosure, Refund Check, and proof of delivery.<br>| xxxyyyxxx | 10/28/2025 |  | 2<br> C<br> B |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 15334847 | 34863416 |  | 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. | Evidence of earlier borrower receipt was not found in file | xxxyyyxxx |  |  | Reviewer Comment (2025-11-07): XXXXX received CD dated XX/XX/XX<br>Seller Comment (2025-11-06): TF 11/6 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on 9/XX and consented to it on 9/XX. This meets the 3 business days before the closing date of 10/XX.<br>| 11/07/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17254056 | 34702319 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/14/2025 | 2<br> B |  | UT | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17254056 | 34702320 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-23): Client elects to waive<br>Reviewer Comment (2025-10-20): Client to review.<br>Seller Comment (2025-10-15): TF 10/XX Disagree - Our Contract states that XXXXX will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached documents which shows the borrower received the Appraisal on 9.XX<br>| xxxyyyxxx |  | 10/23/2025 | 2<br> B |  | UT | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17254056 | 34702340 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | xxxyyyxxx | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet XXXXX guidance for cash flow analysis. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-06): Received EMD deposit receipt from seller Canyon point construction, also provided source of documentation for the same, verified and updated the details. available funds are sufficient for closing requirements. Exception Cleared.<br>Seller Comment (2025-11-05): 11/5 tm: Income from the borrower's K-1 business, XXXXl Corporation are not being used to qualify, only Schedule C income is being used. This means the borrower can use all funds from the account without verification it will not negatively impact the business. The K-1 was provided to show they are 100% owner of the business.<br>| 11/06/2025 |  |  | 1<br> C<br> A |  | UT | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17254056 | 34702425 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxyyyxxx | Verified liquid assets in the amount of $9,359.78 are insufficient to meet cash to close of $XXXX. Final 1008 reflects $XXXX verified, however, asset document is unavailable. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-06): Received EMD deposit receipt from seller Canyon point construction, also provided source of documentation for the same, verified and updated the details. available funds are sufficient for closing requirements. Exception Cleared.<br>Seller Comment (2025-11-05): 11/5 tm: A total EMD of 365,008.99 was paid. Please see attached receipt. The statements showing these funds were already provided and the withdrawals were highlighted in red on the statements.<br>| 11/06/2025 |  |  | 1<br> C<br> A |  | UT | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13241810 | 34657878 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/10/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | 34638855 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | xxxyyyxxx | Final 1003 document is missing from file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Received sign and dated final 1003 for subject loan, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-10-10): 10/10 NR: Please see attached.<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | 34638856 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | xxxyyyxxx | Final 1008 or Approval document is missing from File. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-14): Received Approval document for the subject property verified and updated the details, Exception Cleared.<br>Seller Comment (2025-10-13): 10/13 NR: Please see attached.<br>| 10/14/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | 34638862 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | xxxyyyxxx | Revocable trust rider document is missing from file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-14): Received Revocable trust rider document, verified and updated the details. Exception cleared.<br>Seller Comment (2025-10-13): 10/13 NR: Please see attached.<br>| 10/14/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | 34638868 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/09/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | 34638871 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | xxxyyyxxx | Inital Rate lock Document is missing from file | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Received rate lock document dated XX/XX/XX, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-10-10): Please see attached Lock Confirmation<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | 34639062 |  | 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-16): Client elects to waive.<br>Reviewer Comment (2025-10-11): Exception is for missing Right to Receive Copy of Appraisal disclosure. Disclosure not yet received. Exception remains.<br>Seller Comment (2025-10-10): Please see attached.<br>| xxxyyyxxx |  | 10/16/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | Good faith redisclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | 34639063 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/09/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | 34639064 |  | 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. | 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 | xxxyyyxxx |  |  |  |  |  | 10/09/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | 34639065 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XX used as disbursement date for compliance testing. | File is missing the docment which contains the detail for Disbursment date (CD/CLosing statement/ HUD1/Loan disbursement). Please provide the missing documents. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-16): Client elects to waive.<br>| xxxyyyxxx |  | 10/16/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | 34639067 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. | Closing Disclosure Document is missing in the file | xxxyyyxxx |  |  | Reviewer Comment (2025-10-17): XXXXX received CD and LE.<br>Seller Comment (2025-10-16): CT 10/15: Please see the attached //<br>| 10/17/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | 34639068 |  | 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 $0.00 XXXXX be required. | Loan Estimate Document is missing in the file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-16): XXXXX received LE dated XX/XX/XX<br>Seller Comment (2025-10-16): CT 10/15: Please see the attached //<br>Reviewer Comment (2025-10-11): Exception is for missing LE. LE not yet received. Exception remains.<br>Seller Comment (2025-10-10): Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> XXXX%<br>| 10/16/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | 34639069 |  | 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. | Right of Rescission Disclosure is missing from file. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-04): Received RTC. Exception cleared.<br>Seller Comment (2025-11-04): Please see attached<br>Reviewer Comment (2025-10-22): The issue is that the RTC was not provided in the file. Please provide the RTC. Exception remains.<br>Seller Comment (2025-10-22): Please see the attached Final Settlement Statement which shows the funds disbursed after the rescission period ended.<br>| 11/04/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | 34677198 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | xxxyyyxxx | Missing AUS. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-20): Received AUS. Exception cleared.<br>Seller Comment (2025-10-20): 10/20 NR: Please see attached.<br>| 10/20/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | 34764552 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxyyyxxx | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-22): Received final closing disclosure document for subject property, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-10-21): XX/XX/XX - KJ: Please see the attached final closing disclosure reflected a cash to close requirement of $16,203.80<br>| 10/22/2025 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17556791 | 34723118 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/16/2025 | 2<br> B |  | IL | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17556791 | 34723155 |  | Compliance | Compliance | State Compliance | State Defect | XXXXX SB 1894 | XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxyyyxxx |  |  |  | Reviewer Comment (2025-11-06): Disclosure received, exception cleared.<br>Seller Comment (2025-11-04): Please see attached IL Cert<br>| 11/06/2025 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14299740 | 34835256 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-03): XXXXX received XX/XX/XX Initial CD, 3 business days prior to the consummation.<br>Seller Comment (2025-10-31): CT 10/31: Please see the attached //<br>| 11/03/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11118800 | 34365035 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 09/11/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11118800 | 34365037 |  | 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 $600.00 exceeds tolerance of $500.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $500.00 on LE but disclosed as $600.00 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 $100.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-17): XXXXX received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-09-16): refund check<br>Reviewer Comment (2025-09-15): XXXXX received corrected PCCD, LOE and shipping label. However, copy of refund check to borrower was not located in trailing documents. Also, XXXXX tracking indicates label has been created, but package has not been shipped. Proof of mailing and copy of refund check is required to borrower to complete remediation.<br>Seller Comment (2025-09-12): LOX/PCCD/Shipping label for cure of $100 due to appraisal fee increase<br>| xxxyyyxxx | 09/17/2025 |  | 2<br> C<br> B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 11244384 | 34530749 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 09/30/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13433284 | 34854002 |  | 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 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 11/04/2025 | 2<br> B |  | IL | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13433284 | 34854106 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 11/04/2025 | 2<br> B |  | IL | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13433284 | 34854107 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 11/04/2025 | 2<br> B |  | IL | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13433284 | 34854108 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 11/04/2025 | 2<br> B |  | IL | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13433284 | 34854110 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $910.00 exceeds tolerance of $760.00. Sufficient or excess cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $760.00 on LE but disclosed as $910.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-30): Sufficient Cure Provided within 60 Days of Closing<br>| xxxyyyxxx | 10/30/2025 |  | 1<br> A |  | IL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35)<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 17605316 | 34540666 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-08): Client elects to waive<br>Seller Comment (2025-10-03): The Affiliate Business Disclosure is only required when there are fees charged to the borrower which the broker/lender is affiliated with. There are no charges on this file at have affiliated payees.<br>| xxxyyyxxx |  | 10/08/2025 | 2<br> B |  | AZ | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17605316 | 34540668 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-24): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 09/24/2025 |  | 1<br> A |  | AZ | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 16708059 | 34641146 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/08/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16708059 | 34641147 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/08/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16708059 | 34641672 |  | 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 $850.00 exceeds tolerance of $0.00. $850.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $0.0 on LE but disclosed as $850.00 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 $850.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | 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): There is already a lender credit on section J for the coverage of the additional appraisal - suspense is invalid<br>Reviewer Comment (2025-10-13): XXXXX Appraisal fee (Additional report) $850 added on CD dated XX/XX/XX it is shown as paid by borrower. Provide Valid COC for the Appraisal fee (Additional report) $850 added on CD dated 09/24 or provide cure docs. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-10-09): The initial LE disclosed on 9/5 absolutely has an $850.00 appraisal fee disclosed in section b, please waive suspense.<br>| 10/14/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 19002782 | 34700396 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/14/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19002782 | 34700509 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-04): XXXXX received initial CD.<br>Seller Comment (2025-11-04): Please see attached XX CD<br>Reviewer Comment (2025-10-15): XXXXX received disclosure tracking for the XX CD. Please provide the XX CD as it is not located in file.<br>Seller Comment (2025-10-15): TF 10/15 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX and consented to it on XX. This meets the 3 business days before the closing date of XX.<br>| 11/04/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19002782 | 34700510 |  | 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 $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $34.40due to increase of recording fee. Evidence of cure in file in the amount of $34.40. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/10/2025 |  | 1<br> A |  | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 18391372 | 34747070 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | xxxyyyxxx | Large unsourced deposit of $XXXX was not included in assets. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-29): Received settlement statement for sale of REO XXX the amount of $XXX (large deposit), verified and updated the details. Available funds are sufficient for closing and reserves. Exception Cleared.<br>Seller Comment (2025-10-28): 10/28 tm: Proceeds from sale of REO<br>| 10/29/2025 |  |  | 1<br> C<br> A |  | WA | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 18391372 | 34747072 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxyyyxxx | Large unsourced deposit of $176120.24 was not included in assets. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-29): Received settlement statement for sale of REO XXX the amount of $XXX (large deposit), verified and updated the details. Available funds are sufficient for closing and reserves. Exception Cleared.<br>Seller Comment (2025-10-28): 10/28 tm: Proceeds from sale of REO<br>| 10/29/2025 |  |  | 1<br> C<br> A |  | WA | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19479389 | 34783157 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/24/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19479389 | 34783173 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/24/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19479389 | 34783174 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/24/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19479389 | 34783176 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-27): XXXXX received initial CD.<br>Seller Comment (2025-10-27): TF XX/XX/XX and consented to it on 9/24. This meets the 3 business days before the closing date of 10/9.<br>| 10/27/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19479389 | 34783191 |  | 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 $-7,688.32 exceeds tolerance of $-15,464.00. Insufficient or no cure was provided to the borrower. | Lender Credit was last disclosed as $-7,688.32 on LE but disclosed as $-15,464.00.00 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, copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-27): XXXXX received a valid COC.<br>Seller Comment (2025-10-27): TF XX/XX/XX there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of XXX% or -$7,688.32. Please see attached lock confirmation and Closing Disclosure.<br>| 10/27/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 19479389 | 34783192 |  | 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 $168.00 exceeds tolerance of $150.00. $18.00 over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report fee was last disclosed as $150.00 on LE but disclosed as $168.00 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 $18.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-10-27): TF 10/27 Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Credit Report.<br>| 10/27/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 19479389 | 34809464 |  | 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 $168.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  |  | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/27/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10481551 | 34787978 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. | xxxyyyxxx |  |  |  |  |  | 10/27/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10481551 | 34787981 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. | xxxyyyxxx |  |  |  |  |  | 10/27/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10481551 | 34787983 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. | xxxyyyxxx |  |  |  |  |  | 10/27/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10481551 | 34787985 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. | xxxyyyxxx |  |  |  |  |  | 10/27/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10481551 | 34787987 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. | xxxyyyxxx |  |  |  |  |  | 10/27/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10481551 | 34787988 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's and business returns. | xxxyyyxxx |  |  |  |  |  | 10/27/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10481551 | 34788012 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/27/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10481551 | 34807234 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  |  | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/27/2025 |  | 1<br> A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 11279691 | 34785766 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/27/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11279691 | 34785770 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-29): XXXXX received 09/XX CD received 3 business days prior to consummation.<br>Seller Comment (2025-10-28): TF XX/XX/XX.<br>| 10/29/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11279691 | 34785778 |  | 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 $-2,919.43 exceeds tolerance of $-3,225.00. Insufficient or no cure was provided to the borrower. | Lender Credits Fee was last disclosed as -$3,225.00 on LE but disclosed as -$2,919.43 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 $305.57, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-29): XXXXX Received CD dated 09/18 along with revised COC.<br>Seller Comment (2025-10-28): TF 10/28 Disagree: There was a Appraisal Value change on 09.18 that caused an adjustment to the LTV. Due to this, the price adjust for LTV changed from XXX% making the final cost adjust as well. Final price went from -0.291% or $-XXXX.<br>| 10/29/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 11279691 | 34785799 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/27/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13263211 | 34589960 |  | 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. Evidence of earlier receipt of LE was not located in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-20): XXXXX received disclosure tracking for the 09/17 CD.<br>Seller Comment (2025-10-17): (XXXXX) THE ESIGN SHOW CD BEING RECIEVED ON XXX<br>Reviewer Comment (2025-10-07): XXXXX received CD dated XX/XX/XX without receipt and provided esign document indicates that pre closing CD sent on XX/XX/XX. XXX is day 1, XXX is day 2. Please provide documentation if the CD was receivedXXX (day 3) or earlier for review.<br>Seller Comment (2025-10-06): (XXXXX) Have uploaded the cd dated 17th and esign proof of getting it<br>| 10/20/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14739218 | 34698867 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/14/2025 | 2<br> B |  | MA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14739218 | 34698910 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | xxxyyyxxx | The file was missing a copy of the paystub for employment XXXXX. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-16): Received recent paystubs for borrower XXX verified and updated the details. Exception Cleared.<br>Seller Comment (2025-10-15): XXX Paystubs<br>| 10/16/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14739218 | 34698948 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-16): Received recent paystubs for borrower XXX verified and updated the details. Exception Cleared.<br>Seller Comment (2025-10-15): XXXXX APOR and ATR/QM reflect pass<br>| 10/16/2025 |  |  | 1<br> B<br> A<br> C |  | MA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 14739218 | 34698949 |  | 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. | Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-16): Received recent paystubs for borrower Andrea Matthews employment Astria Therapeutics Inc. verified and updated the details. Exception Cleared.<br>| 10/16/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17083387 | 34797484 |  | 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 $1,050.00 exceeds tolerance of $910.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,050.00 exceeds tolerance of $910.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-24): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/24/2025 |  | 1<br> A |  | AZ | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13202046 | 34687314 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | xxxyyyxxx | E-sign Consent Agreement is missing | xxxyyyxxx |  |  | Reviewer Comment (2025-10-15): Received E-sign Consent Agreement dated XX/XX/XX, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-10-15): Hello. Please see the attached E-Consent. Thank you.<br>| 10/15/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16758475 | 34911582 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-10): XXXXX received XX/XX/XX CD received 3 business days prior to consummation.<br>Seller Comment (2025-11-10): LI 11/XX Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on 10/XX and consented to it on 10/XX. This meets the 3 business days before the closing date of 10/XX<br>| 11/10/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16758475 | 34911583 |  | 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 $-195.00 exceeds tolerance of $-1,245.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-195.00 exceeds tolerance of $-1,245.00. Insufficient or no cure was provided to the borrower. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-10): XXXXX Received revised loan estimate dated XX/XX/XX along with rate lock.<br>Seller Comment (2025-11-10): LI 11/10 there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Loan Estimate went out to the Borrower on the same day. Final Cost to the Borrower of XXX. Please see attached lock confirmation and Loan estimate<br>| 11/10/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 16758475 | 34911622 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 11/07/2025 | 2<br> B |  | NJ | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16299988 | 34662563 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $49.32 compared to the calculated Amount Financed of $XXX 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 XX/XX/XX). | Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $200.00 compared to the calculated Amount Financed of $XXXX 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 XX/XX/XX) | xxxyyyxxx |  |  | Reviewer Comment (2025-12-04): XXXXX received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-12-04): XXXXX received rebuttal that a refund was provided in a previous response when loan was post-closed and refund would not reflect on FSS as the need for refund was due to way loan funded & disclosed. However, documentation in file does not reflect borrower was cured for the Finance Charge underdisclosure post closing. Final CD & PCCD's all reflect only a $100 cure which was related to the appraisal fee tolerance violation which is not related to the finance charge underdisclosure. The Final CD disclosed the Finance Charge as $1,071,859.68, but the calculated Finance charge is $1,071,909.00 (which was updated on the PCCD's to match and confirms the Final CD was incorrectly disclosed & underdisclosed the $49.32. As noted Final settlement statement does not reflect this cure. Please provide Corrected CD, LOE to borrower, copy of cure refund of $49.32 for total underdisclosure, proof of mailing and proof of reopening of rescission to all consumers. PLEASE NOTE YOU HAVE ONLY 4 DAYS TO CURE THIS TO MEET THE 60 DAY FROM DISCOVERY CURE REQUIREMENTS.<br>Seller Comment (2025-12-03): A refund was provided for this in a previous response when the loan was post-closed. This refund would not reflect on the final settlement statement, as the need for the refund was due to the way the loan was funded and disclosed.<br>Reviewer Comment (2025-12-02): After review and adjustment, the finance charge remains under disclosed in the amount of $49.32. Final Settlement Statement in Loan file is incomplete.<br>Reviewer Comment (2025-12-02): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XX PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $878,733.37 is over disclosed by $200.00 compared to the calculated Amount Financed of $878,533.37 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 10/XX/XX/XX)<br>Buyer Comment (2025-12-02): GS will not waive L3 compliance findings<br>Seller Comment (2025-12-02): "LL 12/2 Disagree - there was no Prepaid interest charged to the borrower please see the attached final Settlement Statement. Financed fees are $1,315.95 and include the following: Prepaid Finance Charge = Tax Service 85.00, Flood Certification 8.00, Electronic Registration (mers) Fee 24.95, Title - Settlement Or Closing Fee 775.00, Title - Mobile Notary Fee (travel-not Notarize) 400.00, Title - Recording Fee 23.00, Prepaid Interest 0.00."<br>Seller Comment (2025-12-02): Disagree - there was no Prepaid interest charged to the borrower please see the attached final Settlement Statement. Financed fees are $1,315.95 and include the following: Prepaid Finance Charge = Tax Service 85.00, Flood Certification 8.00, Electronic Registration (mers) Fee 24.95, Title - Settlement Or Closing Fee 775.00, Title - Mobile Notary Fee (travel-not Notarize) 400.00, Title - Recording Fee 23.00, Prepaid Interest 0.00.<br>Reviewer Comment (2025-11-25): Final Finance charge at closing on 9/23 is $1,071,859.68. Final PCCD Finance charge is 1,072,059.68. The difference is $200. Fees counted as finance charges are, Flood - $8, MERS - $24.95, Interest - $150.68, Tax Service - $85, Title - Recording Service - $23, Title - Settlement Fee - $775 and Title Signing Fee - $400.<br>Seller Comment (2025-11-25): LL 11/25 Disagree - the signed final CD disclosed the Finance Charge at $1,071,859.68. The Finance Charge on the corrected documents is $1,071,909.00 which is a difference of $49.32. Please see the attached Final CD.<br>Reviewer Comment (2025-11-18): XXXXX received Corrected CD, LOE to borrower, copy of cure refund for $49.32, proof of mailing and copies of unexecuted RTC's. However, the underdisclosure on the Finance charege underdisclosure was for $$200. The cure refund is short and as such the material Disclosures have not yet been corrected and reopening of rescission cannot occur until borrower is provided with accurate material disclosures. Please provide the following to cure: Corrected CD, LOE to borrower explaining the cure on this violation, copy of cure refund check for shortgage $150.68, proof of mailing and proof of reopening rescission to all consumers.<br>Seller Comment (2025-11-18): Please see the attached Letter of Explanation, Corrected Closing Disclosure, Refund Check, Corrected Right to Cancel, and proof of delivery.<br>| xxxyyyxxx | 12/04/2025 |  | 2<br> C<br> B |  | CA | 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)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 16299988 | 34662564 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 $XXXX is under disclosed by $49.32 compared to the calculated Finance Charge of $XXXX which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $XXXX. Calculated finance charge is $XXXX. Variance of $200.00. Based on review of Lender's compliance report, $200 fee was not included in finance charge calculation. 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 | xxxyyyxxx |  |  | Reviewer Comment (2025-12-04): XXXXX received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-12-04): XXXXX received rebuttal that a refund was provided in a previous response when loan was post-closed and refund would not reflect on FSS as the need for refund was due to way loan funded & disclosed. However, documentation in file does not reflect borrower was cured for the Finance Charge underdisclosure post closing. Final CD & PCCD's all reflect only a $100 cure which was related to the appraisal fee tolerance violation which is not related to the finance charge underdisclosure. The Final CD disclosed the Finance Charge as $XXXX, but the calculated Finance charge is $XXXX (which was updated on the PCCD's to match and confirms the Final CD was incorrectly disclosed & underdisclosed the $49.32. As noted Final settlement statement does not reflect this cure. Please provide Corrected CD, LOE to borrower, copy of cure refund of $49.32 for total underdisclosure, proof of mailing and proof of reopening of rescission to all consumers. PLEASE NOTE YOU HAVE ONLY 4 DAYS TO CURE THIS TO MEET THE 60 DAY FROM DISCOVERY CURE REQUIREMENTS.<br>Seller Comment (2025-12-03): A refund was provided for this in a previous response when the loan was post-closed. This refund would not reflect on the final settlement statement, as the need for the refund was due to the way the loan was funded and disclosed.<br>Reviewer Comment (2025-12-02): After review and adjustment, the finance charge remains under disclosed in the amount of $49.32. Final Settlement Statement in Loan file is incomplete.<br>Reviewer Comment (2025-12-02): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XX PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 $XXX is under disclosed by $200.00 compared to the calculated Finance Charge of $XXX which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 10/XX/XX/XX)<br>Seller Comment (2025-12-02): LL 12/2 Disagree - there was no Prepaid interest charged to the borrower please see the attached final Settlement Statement. Financed fees are $1,315.95 and include the following: Prepaid Finance Charge = Tax Service 85.00, Flood Certification 8.00, Electronic Registration (mers) Fee 24.95, Title - Settlement Or Closing Fee 775.00, Title - Mobile Notary Fee (travel-not Notarize) 400.00, Title - Recording Fee 23.00, Prepaid Interest 0.00.<br>Reviewer Comment (2025-11-25): Final Finance charge at closing on 9/XX is XXX. Final PCCD Finance charge is XXX The difference is $200. Fees counted as finance charges are, Flood - $8, MERS - $24.95, Interest - $150.68, Tax Service - $85, Title - Recording Service - $23, Title - Settlement Fee - $775 and Title Signing Fee - $400.<br>Seller Comment (2025-11-25): Disagree - the signed final CD disclosed the Finance Charge at $XXX The Finance Charge on the corrected documents is $XXX which is a difference of $49.32. Please see the attached Final CD.<br>Reviewer Comment (2025-11-18): XXXXX received Corrected CD, LOE to borrower, copy of cure refund for $49.32, proof of mailing and copies of unexecuted RTC's. However, the underdisclosure on the Finance charege underdisclosure was for $$200. The cure refund is short and as such the material Disclosures have not yet been corrected and reopening of rescission cannot occur until borrower is provided with accurate material disclosures. Please provide the following to cure: Corrected CD, LOE to borrower explaining the cure on this violation, copy of cure refund check for shortgage $150.68, proof of mailing and proof of reopening rescission to all consumers.<br>Seller Comment (2025-11-18): Please see the attached Letter of Explanation, Corrected Closing Disclosure, Refund Check, Corrected Right to Cancel, and proof of delivery.<br>| xxxyyyxxx | 12/04/2025 |  | 2<br> C<br> B |  | CA | 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)<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 16299988 | 34662566 |  | 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 $700.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $600.00. Sufficient cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/07/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 16299988 | 34662567 |  | 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 XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-18): Received Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. Exception cured.<br>Seller Comment (2025-11-18): Please see the attached Letter of Explanation, Corrected Closing Disclosure, Refund Check, Corrected Right to Cancel, and proof of delivery.<br>Reviewer Comment (2025-10-16): Please provide a PCCD to update the disbursement date.<br>Seller Comment (2025-10-14): Please see the attached final Settlement Statement showing that the disbursement date was after the rescission period expired.<br>| xxxyyyxxx | 11/18/2025 |  | 2<br> C<br> B |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 19828812 | 34636687 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/08/2025 | 2<br> B |  | MA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19828812 | 34636688 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXXX result in additional fee tolerance violations. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-13): XXXXX received disclosure summary for initial LE.<br>| 10/13/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10128880 | 34673199 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,329.40 exceeds tolerance of $2,399.00. $930.40 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $2,399.00 on LE but disclosed as $3,329.40 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 $930.40, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-24): XXXXX received valid COC document<br>Seller Comment (2025-10-23): please review all emails from Closing Team Lead<br>Reviewer Comment (2025-10-17): XXXXX agreed that the COC dated XX/XX/XX already uploaded in the trailing image. But it does not give sufficient information on what impacts and why the pricing weas changed to increase the discount point fee. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs.<br>Seller Comment (2025-10-16): 2nd time uploaded - first time was on 10/XX - please read and also please see the COC CD as well uploaded 10/XX<br>Reviewer Comment (2025-10-15): XXXXX received rate lock dated 9/XX/XX/XX25 for $3329.40. Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2025-10-14): It is a Valid COC - see uploaded updated lock from 9/XX.<br>Reviewer Comment (2025-10-14): XXXXX received Changed Circumstance dated XX/XX/XX25, but it does not give sufficient information on why the loan discount fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-10-13): COC CD for this fee prior to closing<br>| 10/24/2025 |  |  | 1<br> C<br> A |  | ID | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10128880 | 34673269 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | xxxyyyxxx | E-sign Consent Agreement is missing in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-14): XXXXX received e-consent agreement.<br>Seller Comment (2025-10-13): econsent<br>| 10/14/2025 |  |  | 1<br> C<br> A |  | ID | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19963239 | 34773097 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/23/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19963239 | 34773115 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-27): XXXXX received XX/XX/XX Initial CD, 3 business days prior to the consummation.<br>Seller Comment (2025-10-24): TF 10/XX Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on 10/XX and consented to it on 10/XX. This meets the 3 business days before the closing date of 10/XX.<br>| 10/27/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19963239 | 34773130 |  | 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 $350.00 exceeds tolerance of $125.00 plus 10% or $137.50. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $137.50 due to increase in Second Appraisal Fee. However, file does contain the sufficient Cure in the amount of $505.20. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-21): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/21/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 19963239 | 34773131 |  | 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 $292.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% tolerance was exceeded by $292.70 due to increase in Second Appraisal Fee. However, file does contain the sufficient Cure in the amount of $505.20. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-21): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/21/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10558060 | 34702555 |  | 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. | Final Closing Disclosed monthly escrow payment as $2,592.67, Monthly Escrow amount is $2,999.34. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-23): Client elects to waive<br>| xxxyyyxxx |  | 10/23/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required.<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10558060 | 34702556 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | Final Closing Disclosure provided on XX/XX/XX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2976397). | xxxyyyxxx |  |  | Reviewer Comment (2025-11-12): Cured prior to discovery.<br>Seller Comment (2025-11-11): Please see attached<br>Reviewer Comment (2025-11-05): Loan file does not appear to support escrow and non-escrow calculations. Please provide documentation of calculation and any supporting data required.<br>Seller Comment (2025-11-04): The $250 (Insurance) + $2,251.99 (Taxes) + $250 (HOA Dues) = $2,845.67; which matches the CD. The HOA Dues are not escrowed making the total on pg.4 $2,595.67 is accurate.<br>| xxxyyyxxx | 11/12/2025 |  | 2<br> C<br> B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10558060 | 34702557 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/XX/XX/XX). | xxxyyyxxx |  |  | Reviewer Comment (2025-11-12): Cured prior to discovery.<br>Seller Comment (2025-11-11): Please see attached<br>Reviewer Comment (2025-11-05): Loan file does not appear to support escrow and non-escrow calculations. Please provide documentation of calculation and any supporting data required.<br>Seller Comment (2025-11-04): The $250 (Insurance) + $2,251.99 (Taxes) + $250 (HOA Dues) = $2,845.67; which matches the CD. The HOA Dues are not escrowed making the total on pg.4 $2,595.67 is accurate.<br>| xxxyyyxxx | 11/12/2025 |  | 2<br> C<br> B |  | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10558060 | 34702564 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/14/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14980857 | 34581651 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/01/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14980857 | 34600296 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/01/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10549384 | 34810795 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-03): XXXXX received 10/02 CD received 3 business days prior to consummation.<br>Seller Comment (2025-10-31): CT 10/31: Please see the attached //<br>| 11/03/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10549384 | 34810796 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-2,698.00. Insufficient or no cure was provided to the borrower. | Lender Credit Fee was last disclosed as -$2,698.00 on LE but disclosed as $0.00 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 $2,698.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-03): XXXXX Received rate lock dated XX/XX/XX25 along with CD.<br>Seller Comment (2025-10-31): TF XX/XX/XX there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of 0.423% or $7,169.85. Please see attached lock confirmation and Closing Disclosure.<br>| 11/03/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12795477 | 34721104 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX did not disclose whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX did not disclose whether the loan will have an escrow account. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-05): XXXXX received completed 10-1-25 CD<br>Seller Comment (2025-11-04): Please see attached.<br>| 11/05/2025 |  |  | 1<br> C<br> A |  | TN | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12795477 | 34721105 |  | 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). | 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-05): XXXXX received completed 10-1-25 CD<br>Seller Comment (2025-11-04): Please see attached.<br>Reviewer Comment (2025-10-19): Provided trailing CD is not for this transaction. Please provide Complete CD for review.<br>Seller Comment (2025-10-17): TF 10/17 Please see attached Final Wet signed Borrower Closing Disclosure from the day of closing<br>| 11/05/2025 |  |  | 1<br> C<br> A |  | TN | Second Home | 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)<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12795477 | 34721106 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan contains Negative Amortization. | Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan contains Negative Amortization. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-05): XXXXX received completed 10-1-25 CXXXXX received completed 10-XX-25 CDD<br>Seller Comment (2025-11-04): Please see attached.<br>Reviewer Comment (2025-10-19): Provided trailing CD is not for this transaction. Please provide Complete CD for review.<br>Seller Comment (2025-10-17): TF 10/XX Please see attached Final Wet signed Borrower Closing Disclosure from the day of closing<br>| 11/05/2025 |  |  | 1<br> C<br> A |  | TN | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12795477 | 34721107 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan allows for Partial Payments. | Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan allows for Partial Payments. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-05): XXXXX received completed 10-1-25 CD<br>Seller Comment (2025-11-04): Please see attached.<br>Reviewer Comment (2025-10-19): Provided trailing CD is not for this transaction. Please provide Complete CD for review.<br>Seller Comment (2025-10-17): TF XX Please see attached Final Wet signed Borrower Closing Disclosure from the day of closing<br>| 11/05/2025 |  |  | 1<br> C<br> A |  | TN | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12795477 | 34721108 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-05): XXXXX received completed 10-XX CD<br>Reviewer Comment (2025-11-04): XXXXX Final CD dated 10/XX/XX/XX.<br>Seller Comment (2025-11-04): Please see attached.<br>Reviewer Comment (2025-10-19): Provided trailing CD is not for this transaction. Please provide Complete CD for review.<br>Seller Comment (2025-10-17): TF 10/17 Please see attached Final Wet signed Borrower Closing Disclosure from the day of closing<br>Reviewer Comment (2025-10-16): Page 4 of CD is missing from file.<br>| 11/05/2025 |  |  | 1<br> C<br> A |  | TN | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12795477 | 34721109 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-05): XXXXX received completed 10-1-25 CD<br>Reviewer Comment (2025-11-04): XXXXX Final CD dated 10/XX/XX/XX.<br>Seller Comment (2025-11-04): Please see attached.<br>Reviewer Comment (2025-10-19): Provided trailing CD is not for this transaction. Please provide Complete CD for review.<br>Seller Comment (2025-10-17): TF 10/XX Please see attached Final Wet signed Borrower Closing Disclosure from the day of closing<br>| 11/05/2025 |  |  | 1<br> C<br> A |  | TN | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12795477 | 34721110 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-18): XXXXX received initial CD.<br>Seller Comment (2025-11-18): Disagree the executed XX/XX CD was provided in trailing documents on last response on XX/XX. Reattaching. Please review.<br>Reviewer Comment (2025-11-12): XXXXX received rebuttal. However, the file only contains CD dated XX/XX/XX which is not three days prior to closing date XX/XX/XX. Kindly provide initial CD three days prior to closing date in order to clear the exception.<br>Seller Comment (2025-11-11): Please see 9.9 Closing Disclosure<br>Reviewer Comment (2025-11-04): CD 10/01 is located in file. Please provide the CD issued to borrower prior to consummation for review or documentation the final CD was provide to borrower 3 business days prior to review.<br>Seller Comment (2025-11-04): Please see attached.<br>Reviewer Comment (2025-10-19): Provided trailing CD is not for this transaction. Please provide Complete CD for review.<br>Seller Comment (2025-10-17): TF 10/17 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on 9/XX and consented to it on 9/XX This meets the 3 business days before the closing date of 10XX.<br>| 11/18/2025 |  |  | 1<br> C<br> A |  | TN | Second Home | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12795477 | 34721112 |  | 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 $850.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $750.00. Sufficient cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-14): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/14/2025 |  | 1<br> A |  | TN | Second Home | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 14871138 | 34732113 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/17/2025 | 2<br> B |  | AL | Second Home | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14871138 | 34732167 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxyyyxxx | Qualifying Assets for Closing of $0.00 is less than Cash From Borrower $6,068.39. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-21): Recalculated the assets meeting the closing requirement. Verified and updated the details. Exception cleared.<br>Seller Comment (2025-10-20): XX/XX/XX - KJ: Please see attached.<br>| 10/21/2025 |  |  | 1<br> C<br> A |  | AL | Second Home | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14871138 | 34732260 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/17/2025 | 2<br> B |  | AL | Second Home | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13584511 | 34712156 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/15/2025 | 2<br> B |  | UT | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13584511 | 34712158 |  | 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 $80.00 exceeds tolerance of $40.00 plus 10% or $44.00. $36.00 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $36.00 due to increase in fees. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $36.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-03): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>| xxxyyyxxx | 11/03/2025 |  | 2<br> C<br> B |  | UT | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13584511 | 34712173 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/15/2025 | 2<br> B |  | UT | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13584511 | 34712257 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | xxxyyyxxx | E-Sign Consent Agreement document missing in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-03): Received E-Sign Consent Agreement dated XX/XX/XX, verified and updated the details. Exception Cleared.<br>| 11/03/2025 |  |  | 1<br> C<br> A |  | UT | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12458511 | 34530606 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | xxxyyyxxx | The file is missing the verbal verification of employment obtained within ten business days of closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-30): Received third party verification of employment within 10 business days of note date. Exception Cleared.<br>Seller Comment (2025-09-30): This condition is invalid. VOE is good till XXX. We don't count Sat & Sun. Please re-calculate the days & clear the condition.<br>| 09/30/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12458511 | 34530613 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 09/29/2025 | 2<br> B |  | MA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12142342 | 34768917 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/23/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19456629 | 34672812 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/10/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19456629 | 34674359 |  | 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. | Rate Lock Agreement not provided. | xxxyyyxxx |  |  |  |  |  | 10/10/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19456629 | 34674370 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | xxxyyyxxx | Initial Rate Lock date not provided. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-22): Received rate lock document dated XX/XX/XX, verified and updated the details. Exception Cleared.<br>| 10/22/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12807732 | 34677803 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/13/2025 | 2<br> B |  | DE | Second Home | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13362870 | 34530939 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 09/29/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13362870 | 34530941 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $400.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection was last disclosed as $200.00 on LE but disclosed as $$400.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-23): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 09/23/2025 |  | 1<br> A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13362870 | 34530942 |  | 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. | Notice of Right to Cancel was not provided. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Permanent financing refinance of construction only loan exempt from rescission under Comment 1026.2(a)(24)-4-ii.<br>Seller Comment (2025-10-10): (XXXXX) Hello, Per the Title Report, the previous lender was XXXX and not XXX, therefore we would not have an available copy of the Note and CD for that transaction. our transaction was paying off an existing construction loan (2xClose) which does not include permanent financing.<br>Reviewer Comment (2025-10-07): It is unclear whether or not the previous loan included permanent financing. Based on XXXXX's discussion with outside counsel, if the subject transaction refinanced permanent financing, it would be considered a standard refinance as opposed to a residential mortgage transaction and would therefore be subject to rescission. If the borrower was not obligated on permanent financing prior to subject transaction, please provide Note/CD from prior transaction or other evidence that loan being satisfied was the initial construction only and that the borrower was not obligated on an existing permanent phase financing. Otherwise, a refinance of an existing permanent phase Note would make the subject transaction a refinance subject to rescission. Exception remains.<br>Reviewer Comment (2025-10-07): Loan is a refinance of a primary residence. Right to cancel is required. Exception remains.<br>Seller Comment (2025-10-02): (XXXXX) Hello, please see attached. Thank you<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 11795632 | 34786111 |  | 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 $80.00 exceeds tolerance of $0.00. $80.00 over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $0.00 on LE but disclosed as $80.00 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 $80.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-29): XXXXX received valid COC document<br>| 10/29/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 11795632 | 34786121 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $8.80 exceeds tolerance of $0.00. $8.80 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $0.00 on LE but disclosed as $8.80 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 $8.80, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-29): XXXXX received valid COC document<br>Seller Comment (2025-10-28): CT 10/28: Please see attached COC and corresponding disclosure. On 10-XX the lock was extended, affecting the LLPA, negative pricing disclosed on the 10-XXX CD<br>| 10/29/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 11795632 | 34786123 |  | 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 $-600.00 exceeds tolerance of $-650.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-600.00 exceeds tolerance of $-650.00. Insufficient or no cure was provided to the borrower. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-29): XXXXX received valid COC document<br>Seller Comment (2025-10-28): CT 10/28: Please see attached COC and corresponding disclosure. On XXX the lock was extended, affecting the LLPA, negative pricing disclosed on the XXX CD<br>| 10/29/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13094248 | 34612152 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | xxxyyyxxx | Missing AUS. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-03): Received AUS. Exception cleared.<br>Seller Comment (2025-10-03): AUS<br>| 10/03/2025 |  |  | 1<br> C<br> A |  | ID | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15030351 | 34777055 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-28): XXXXX received XX/XX/XX Initial CD, 3 business days prior to the consummation.<br>Seller Comment (2025-10-27): TF XX/XX Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XX. This meets the 3 business days before the closing date of XX/XX<br>| 10/28/2025 |  |  | 1<br> C<br> A |  | NC | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15030351 | 34777056 |  | 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 $1,200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $1,200.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, however evidence of cure in file in the amount of $1,242.00 | xxxyyyxxx |  |  | Reviewer Comment (2025-10-22): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/22/2025 |  | 1<br> A |  | NC | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 18173132 | 34807035 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/29/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 18173132 | 34807042 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/29/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14519175 | 34882878 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Tax Extension for the year XXXXX was not provided. | xxxyyyxxx |  |  |  |  |  | 11/05/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14519175 | 34882879 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-07): XXXXX received 10/02 CD received 3 business days prior to consummation.<br>Seller Comment (2025-11-06): TF 11/6 Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on XX and the mailbox rule was applied. This meets the 7 business days before the closing date of XX.<br>| 11/07/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14519175 | 34882880 |  | 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 XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-20): Evidence of later disbursement date received. Exception cleared.<br>Seller Comment (2025-11-19): Please see the attached final Settlement Statement showing that the disbursement date was after the rescission period expired.<br>| 11/20/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10187494 | 34724814 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/16/2025 | 2<br> B |  | AZ | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10187494 | 34724815 |  | 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. | The file is missing a copy of initial rate lock | xxxyyyxxx |  |  |  |  |  | 10/16/2025 | 2<br> B |  | AZ | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10187494 | 34724936 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | The file is missing a copy of initial rate lock document. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-17): Received rate lock document dated XX/XX/XX, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-10-17): lock<br>| 10/17/2025 |  |  | 1<br> C<br> A |  | AZ | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11506984 | 34805645 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/29/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11506984 | 34805647 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-31): XXXXX received 10/XX CD received 3 business days prior to consummation.<br>Seller Comment (2025-10-30): LI 10/30 Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on 10/XX and consented to it on 10/XX. This meets the 3 business days before the closing date of 10XX<br>| 10/31/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19409603 | 34761726 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. | Seller paid fees on seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-29): XXXXX received seller cd.<br>| 10/29/2025 |  |  | 1<br> A |  | VA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 19409603 | 34761741 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | xxxyyyxxx |  |  |  |  |  | 10/22/2025 | 2<br> B |  | VA | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19409603 | 34761752 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | xxxyyyxxx | The file was missing a copy of security instrument subject lien. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-23): Received Security Instrument document for subject property, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-10-23): Recorded Deed of Trust is attached!<br>| 10/23/2025 |  |  | 1<br> D<br> A |  | VA | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19409603 | 34796906 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The provided security instrument indicates a notary date of XX/XX/XX. | xxxyyyxxx |  |  |  |  |  | 10/24/2025 | 2<br> B |  | VA | Primary | Purchase | D<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14142962 | 34700405 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/14/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14142962 | 34700477 |  | 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 $10,949.08 XXXXX 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 $10,949.08 XXXXX be required. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-21): XXXXX received LEs dates 09/09 and 09/17.<br>Seller Comment (2025-10-20): Initial LE and COC LE.. COC is on the last page.<br>| 10/21/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14142962 | 34765997 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | xxxyyyxxx | E-consent is missing in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-21): Received E-Sign Consent Agreement document verified and updated the details. Exception cleared.<br>Seller Comment (2025-10-21): econsent and cert<br>| 10/21/2025 |  |  | 1<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 18826298 | 34702978 |  | 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 $925.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $750.00 on LE but disclosed as $925.00 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 $175.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/10/2025 |  | 1<br> A |  | AL | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 18826298 | 34702979 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal 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 $123.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/10/2025 |  | 1<br> A |  | AL | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10590670 | 34600503 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/03/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10590670 | 34630472 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxyyyxxx | HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Received replacement cost estimate for supporting the current coverage amount. Exception Cleared.<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17189219 | 34921079 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 11/10/2025 | 2<br> B |  | FL | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17189219 | 34921081 |  | 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. Evidence of earlier receipt of LE was not located in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-11): XXXXX received 09/XX CD 3 business days prior to consummation.<br>Seller Comment (2025-11-11): TF 11/XX Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX and consented to it on XX. This meets the 3 business days before the closing date of XX.<br>| 11/11/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17189219 | 34921082 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,473.25 exceeds tolerance of $2,376.00. $1,097.25 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points. Fee was last disclosed as $2376.00 on LE but disclosed as $3473.25 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 $1097.25 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-11): XXXXX Received revised CD dated 10/15 along with rate lock showing loan relocked.<br>Seller Comment (2025-11-11): TF 11/11 On XX/XX/XX there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of XXX% or $XXX. Please see attached lock confirmation and Closing Disclosure.<br>| 11/11/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 17189219 | 34921086 |  | 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 $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $00.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. But cure present in final CD. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-11-11): TF 11/11 Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee.<br>| 11/11/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 17189219 | 34958870 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  |  | Reviewer Comment (2025-11-11): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/11/2025 |  | 1<br> A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 15361272 | 34625229 |  | 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 Originator Compensation. Fee Amount of $12,106.25 exceeds tolerance of $11,681.25. $425.00 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Originator Compensation was last disclosed as $11,681.25 on LE but disclosed as $12,106.25 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 $425.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-12): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-11-11): Please see the attached Letter of Explanation, Corrected Closing Disclosure, Refund Check, and proof of delivery.<br>Reviewer Comment (2025-10-14): XXXXX received COC dated 9/1XX/XX/XX25 which is not within three days of the change. Kindly provide a valid COC within three days of the change in order to clear the exception or cure due to borrower. Cure documents consist of post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2025-10-13): TF 10/13 On XX the borrower requested CoC to change the loan amount which caused final pricing to change to XXX and a new CD was disclosed. On XX a Closing disclosure went out to the borrower to redisclose. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form.<br>| xxxyyyxxx | 11/12/2025 |  | 2<br> C<br> B |  | FL | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 15361272 | 34625230 |  | 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 $6,658.70 exceeds tolerance of $6,425.00. $233.70 over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $6,425.00 on LE but disclosed as $6,658.70 on Final Closing Disclosure. Sufficient cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | 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): Disagree - Cure was already provided for the increase at closing in the amount of $233.75. Previously attached tolerance cure breakdown and final closing disclosure proves this.<br>Reviewer Comment (2025-10-14): XXXXX received COC dated 9/1XX/XX/XX25 which is not within three days of the change. Kindly provide a valid COC within three days of the change in order to clear the exception or cure due to borrower. Cure documents consist of post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2025-10-13): Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Transfer Tax.<br>| 11/05/2025 |  |  | 1<br> C<br> A |  | FL | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10104672 | 34713452 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/15/2025 | 2<br> B |  | DC | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10104672 | 34713486 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/15/2025 | 2<br> B |  | DC | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19529344 | 34724374 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 10/16/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19529344 | 34729954 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/16/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10039479 | 34539510 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 09/30/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17442573 | 34539638 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 09/30/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17442573 | 34539679 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | xxxyyyxxx | The file is missing a copy of Insurance Verification for property - XXXXX | xxxyyyxxx |  |  | Reviewer Comment (2025-10-03): Received LOX, updated 1003, 1008 and AUS document by updating other monthly payment of $421.66 for REO XXX. Exception Cleared.<br>Seller Comment (2025-10-02): Revised documents<br>Reviewer Comment (2025-10-02): As per final 1003 total other monthly payment was $1,031.58, Received tax certificate document monthly $421.66. Please provide supporting documents to verify the remaining payment of $609.92 for REO #2782 Dark Canyon Road. Exception Remains.<br>Seller Comment (2025-10-01): LOE - REO free and clear<br>| 10/03/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17442573 | 34539700 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>|  |  | 09/30/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14539723 | 34860672 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 11/04/2025 | 2<br> B |  | ID | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10810395 | 34865423 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-07): XXXXX received 10/02 CD received 3 business days prior to consummation.<br>Seller Comment (2025-11-06): TF 11/6 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on 10/XX and consented to it on 10/XX This meets the 3 business days before the closing date of 10/XX.<br>| 11/07/2025 |  |  | 1<br> C<br> A |  | ID | Second Home | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14315594 | 34777295 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>|  |  | 10/24/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14315594 | 34778051 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/24/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14315594 | 34778052 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/24/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 18453245 | 34776059 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX.The file contained a copy of the XXXXX's 1040's and business returns. | xxxyyyxxx |  |  |  |  |  | 10/24/2025 | 2<br> B |  | TX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 18453245 | 34776060 |  | 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-28): XXXXX received XX/XX/XX Initial CD, 3 business days prior to the consummation.<br>Seller Comment (2025-10-27): TF 10/27 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on 10/XX and consented to it on 10/XX. This meets the 3 business days before the closing date of 10/XX<br>| 10/28/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 18161007 | 34641161 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least 3 days prior to closing dated XX/XX/XX disclosed an inaccurate APR of 7.19500% compared to the actual APR at consummation of 7.42808% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (7.195%) changed more than the 0.125% threshold compared to the actual/calculated APR at consummation (7.42808%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-13): XXXXX received interim CD.<br>Seller Comment (2025-10-10): Re-Cd and CiC- Signed 9-19<br>Reviewer Comment (2025-10-10): XXXXX received 9-XX CD. However, CD did not reflect earlier receipt and mailbox rule is in effect with receipt date of 9-XX which is not 3 business days prior to 9-XX consummation date. Provide proof of earlier receipt.<br>Seller Comment (2025-10-09): Re-CD and CiC<br>| 10/13/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | TRID timing exception, no remediation available.<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 18161007 | 34641162 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Corrected Closing Disclosure provided on or after XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxyyyxxx |  |  | Reviewer Comment (2025-10-13): XXXXX received interim CD.<br>Seller Comment (2025-10-10): Re-Cd and CiC- Signed 9-XX<br>Reviewer Comment (2025-10-10): XXXXX received 9-XX CD. However, CD did not reflect earlier receipt and mailbox rule is in effect with receipt date of 9-XX which is not 3 business days prior to 9-XX consummation date. Provide proof of earlier receipt.<br>Seller Comment (2025-10-09): Re-CD and CiC<br>| 10/13/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | TRID timing exception, no remediation available.<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15818159 | 34776916 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/24/2025 | 2<br> B |  | TX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15818159 | 34776935 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-28): XXXXX received XX CD received 3 business days prior to consummation.<br>Seller Comment (2025-10-27): TF 10/27 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX and consented to it on XX. This meets the 3 business days before the closing date of XX.<br>| 10/28/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 18432262 | 34925753 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-12): XXXXX received 10/09 CD received 3 business days prior to consummation.<br>Seller Comment (2025-11-11): TF 11/11 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX and consented to it on XX. This meets the 3 business days before the closing date of XX.<br>| 11/12/2025 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 18686280 | 34794379 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/28/2025 | 2<br> B |  | OR | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16885257 | 34933111 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 11/11/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15946321 | 34992211 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 11/18/2025 | 2<br> B |  | CO | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15720688 | 34952280 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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 of appraisal was delivered to borrower was not provided | xxxyyyxxx |  |  |  |  |  | 11/13/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15720688 | 34952281 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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 of appraisal was delivered to borrower was not provided | xxxyyyxxx |  |  |  |  |  | 11/13/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15720688 | 34952283 |  | 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 $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% tolerance was exceeded by $150.00 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 $0.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-11): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/11/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 15720688 | 34952321 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 11/13/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17550346 | 34933770 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 11/11/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14830832 | 34934109 |  | 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 $1,100.00 exceeds tolerance of $1,025.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,100.00 exceeds tolerance of $1,025.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/07/2025 |  | 1<br> A |  | ME | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 17458281 | 35027696 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 11/24/2025 | 2<br> B |  | MA | Primary | Refinance - Cash-out - Other | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13242388 | 34786040 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 10/27/2025 | 2<br> B |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13242388 | 34786067 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxyyyxxx | HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-28): Received replacement cost estimate document for supporting the current coverage amount. Exception Cleared.<br>Seller Comment (2025-10-28): RCE<br>| 10/28/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15899658 | 34943690 |  | 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 $160.00 exceeds tolerance of $150.00. $10.00 over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $150.00 on LE but disclosed as $160.00 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 $10.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-14): 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 (2025-11-13): CT 11/13: A tolerance credit in the amount of $10 for the credit report fee was reflected on the final Closing Disclosure<br>| 11/14/2025 |  |  | 1<br> C<br> A |  | NH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 15899658 | 34943691 |  | 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 Of Income Fee. Fee Amount of $35.09 exceeds tolerance of $0.00. $35.09 over legal limit. Insufficient or no cure was provided to the borrower. | Verification Of Income Fee was last disclosed as $0.00 on LE but disclosed as $35.09 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 $35.09, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-14): XXXXX received a valid COC.<br>Seller Comment (2025-11-13): CT 11/13: Please see attached Change in Circumstance form and corresponding disclosure, the underwriter required further information in order to proceed with the transaction<br>| 11/14/2025 |  |  | 1<br> C<br> A |  | NH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 15899658 | 34982862 |  | 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 $160.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  |  | Reviewer Comment (2025-11-14): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/14/2025 |  | 1<br> A |  | NH | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12456990 | 34863179 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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 revised appraisal was delivered to borrower was not provided. | xxxyyyxxx |  |  |  |  |  | 11/04/2025 | 2<br> B |  | FL | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16443606 | 34918233 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-11): XXXXX received 10/20 CD received 3 business days prior to consummation.<br>Seller Comment (2025-11-10): LI 11/10 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XX. This meets the 3 business days before the closing date of XX<br>| 11/11/2025 |  |  | 1<br> C<br> A |  | UT | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10566017 | 35072385 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 12/01/2025 | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10566017 | 35072388 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-12-03): XXXXX received disclosure summary.<br>Seller Comment (2025-12-02): LI 12/2 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX and consented to it on XX. This meets the 3 business days before the closing date of XX<br>| 12/03/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13613335 | 34925543 |  | 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 $1,025.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,025.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/06/2025 |  | 1<br> A |  | WA | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13613335 | 34925544 |  | 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 $1,025.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,025.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/06/2025 |  | 1<br> A |  | WA | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13613335 | 34925663 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-12): XXXXX received XX CD received 3 business days prior to consummation.<br>Seller Comment (2025-11-11): TF 11/11 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XX. This meets the 3 business days before the closing date of XX.<br>| 11/12/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12901881 | 35023793 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 11/21/2025 | 2<br> B |  | GA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19448893 | 34962743 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 11/14/2025 | 2<br> B |  | AZ | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19448893 | 34962745 |  | 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 $-4,597.64 exceeds tolerance of $-4,980.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,597.64 exceeds tolerance of $-4,980.00. Insufficient or no cure was provided to the borrower. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-19): XXXXX received rebuttal comment and rate lock suffice.<br>Seller Comment (2025-11-18): LI 11/18 There was a Loan amount change on XX that caused an adjustment to the LTV. Due to this, the price adjust for LTV changed from -0.8% to -0.75% making the final cost adjust as well. Final price went from XXX.<br>| 11/19/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13228580 | 35040257 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 11/25/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13228580 | 35040352 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxyyyxxx | Verified liquid assets in the amount of $36,672.29 are insufficient to meet cash to close of $XXXX. Final 1008 reflects $36,672.29. | xxxyyyxxx |  |  | Reviewer Comment (2025-12-04): Received borrower's additional bank statement, verified and updated the details, available funds are sufficient for closing requirements. Exception Cleared.<br>Seller Comment (2025-12-03): 12/3 MM: Please see attached bank statement<br>| 12/04/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14515917 | 35055917 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 11/24/2025 | 2<br> B |  | CA | Second Home | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10476706 | 35002776 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxyyyxxx |  |  |  |  | Reviewer Comment (2025-11-28): Received CDA for secondary valuation, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-11-26): XX/XX/XX - KJ: Please see attached.<br>Reviewer Comment (2025-11-21): The provided AVM document is not an acceptable secondary valuation for securitization. Acceptable products are: CDA or Enhanced Desk Review OR Field Review OR A 2nd full appraisal. Exception Remains.<br>Seller Comment (2025-11-20): XX/XX/XX - KJ: Please see the attached AVM from XXX dated XX/XX/XX.<br>| 11/28/2025 |  |  | 1<br> D<br> A |  | CO | Primary | Refinance - Rate/Term | D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10476706 | 35003285 |  | 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. (Final/XX/XX/XX) | xxxyyyxxx |  |  | Reviewer Comment (2025-11-21): XXXXX received XX/XX/XX Initial CD, 3 business days prior to the consummation.<br>Seller Comment (2025-11-20): CT 11/20: Please see the attached //<br>| 11/21/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | No Defined Cure<br> D<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16058301 | 35027436 |  | 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-25): XXXXX received initial CD.<br>Seller Comment (2025-11-25): TF 11/25 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XXX and consented to it on XX. This meets the 3 business days before the closing date of XX.<br>| 11/25/2025 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16058301 | 35027438 |  | 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 $168.75 exceeds tolerance of $151.00. Sufficient or excess cure was provided to the borrower at Closing. | $18 lender credit provided to borrower as per final CD | xxxyyyxxx |  |  | Reviewer Comment (2025-11-20): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/20/2025 |  | 1<br> A |  | UT | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 18578111 | 34891763 |  | 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 $870.00 exceeds tolerance of $785.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $870.00 exceeds tolerance of $785.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-04): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/04/2025 |  | 1<br> A |  | TN | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 15038881 | 35004112 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 11/19/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15038881 | 35022976 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | xxxyyyxxx | Calculated Available for Reserves of $3,752.59 is less than AUS Available for Reserves of $8,169.00. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-21): Received hazard insurance policy invoice document for POCB, verified and updated the details. Exception Cleared.<br>Seller Comment (2025-11-20): XX/XX/XX - KJ: The borrower's funds to close requirement is $XXX, and an available balance of $XXX was verified via XXX. The reserve requirement of $8169 has been satisfied.<br>| 11/21/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19408441 | 35069622 |  | 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 $104.00 exceeds tolerance of $89.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  |  | Reviewer Comment (2025-11-25): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/25/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 19408441 | 35071947 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 12/01/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15363734 | 35120672 |  | 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 $785.46 exceeds tolerance of $780.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $780.00 on LE but disclosed as $785.46 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-28): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/28/2025 |  | 1<br> A |  | GA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 14583391 | 35040749 |  | 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 $92.00 exceeds tolerance of $46.00 plus 10% or $50.60. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $92.00 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 $50.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-21): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/21/2025 |  | 1<br> A |  | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 16667684 | 35039321 |  | 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 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 11/25/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13757092 | 35072525 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 12/01/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12510958 | 35036414 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 11/25/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17488343 | 35017171 |  | 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 $-1,829.66 exceeds tolerance of $-3,268.00. Insufficient or no cure was provided to the borrower. | Lender Credit Fee was last disclosed as $-3,268.00 on LE but disclosed as $-1,829.66 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 $1,438.34 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-25): XXXXX received a valid COC.<br>Seller Comment (2025-11-24): TF 11/24 Disagree: There was a Loan amount change on XX that caused an adjustment to the LTV. Due to this, the price adjust for LTV changed from XXX making the final cost adjust as well. Assets and liabilities were updated by underwriting on 10.XX which Increased the DTI to XXX% from XXX% (10.XX) which added a loan level pricing adjusters. A Closing Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing Disclosure.<br>| 11/25/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 19002916 | 34987462 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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 of appraisal receipt at least three (3) business days prior to closing was not in file. | xxxyyyxxx |  |  |  |  |  | 11/18/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19002916 | 34987610 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 11/18/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13384648 | 35072419 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $268.50 exceeds tolerance of $195.00. Sufficient or excess cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $268.50 exceeds tolerance of $195.00. Sufficient or excess cure was provided to the borrower. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-25): Sufficient Cure Provided within 60 Days of Closing<br>| xxxyyyxxx | 11/25/2025 |  | 1<br> A |  | CA | 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)<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13384648 | 35072466 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 12/01/2025 | 2<br> B |  | CA | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15389689 | 35059700 |  | 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 $86.00 exceeds tolerance of $43.00 plus 10% or $47.30. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $43.00 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 $47.30, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-24): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/24/2025 |  | 1<br> A |  | NV | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 15389689 | 35059701 |  | 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 $102.83 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% tolerance was exceeded by $102.83 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 $100.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-24): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/24/2025 |  | 1<br> A |  | NV | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 19069511 | 35059248 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% tolerance was exceeded by $92.70 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 $0.00 , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-24): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/24/2025 |  | 1<br> A |  | UT | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 18198327 | 35025218 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 11/21/2025 | 2<br> B |  | AZ | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17639064 | 35039493 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-12-01): Offset provided based on itemization. QM exceptions cleared.<br>Seller Comment (2025-11-26): TF 11/26 A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges.<br>| 12/01/2025 |  |  | 1<br> B<br> A<br> C |  | NC | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 17639064 | 35039494 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or XXXX%). | Points and Fees exceed allowable threshold by $XXXX or XXXXX%. | xxxyyyxxx |  |  | Reviewer Comment (2025-12-01): Offset provided based on itemization. QM exceptions cleared.<br>Seller Comment (2025-11-26): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges.<br>| 12/01/2025 |  |  | 1<br> C<br> A |  | NC | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12257819 | 34987899 |  | 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 $149.00 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $149.00 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-14): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/14/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 11297862 | 34836852 |  | 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-04): Noted appraisal comment on declining trend. exception cleared<br>Buyer Comment (2025-09-04): appraiser comment on decline<br>Reviewer Comment (2025-08-29): Received CDA, however market value Is declining per CDA. Require Primary appraiser to address the declining statement reported in CDA. Exception Remains<br>Buyer Comment (2025-08-28): CDA<br>| 09/04/2025 |  |  | 1<br> D<br> A |  | SC | Second Home | Purchase | D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11297862 | 34836853 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,059.30 exceeds tolerance of $1,666.00 plus 10% or $1,832.60. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $226.70. No valid COC provided, $0.00 evidence of cure in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-05): XXXXX received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-04): Tracking has now updated, please cure exception<br>Reviewer Comment (2025-08-27): XXXXX received Post CD,LOX,Copy of refund check and proof of mailing. XXXXX tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-08-26): LOE, refund check, PCCD and label<br>| xxxyyyxxx | 09/05/2025 |  | 2<br> C<br> B |  | SC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 11297862 | 34836855 |  | Property | Valuation | Valuation Issue | Valuation | XXXXX program guidelines require a XXXXX (Desk Review) | xxxyyyxxx | Missing XXXXX | xxxyyyxxx |  |  | Reviewer Comment (2025-09-05): Received CDA and updated appraisal with address the declining statement reported in CDA. Exception Cleared<br>Buyer Comment (2025-09-04): CDA page 544 D0450 and page 565 D0452<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | SC | Second Home | Purchase | D<br> B<br> A<br> C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11270914 | 35064865 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 11/26/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11270914 | 35064867 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-12-01): XXXXX received XXX CD received 3 business days prior to consummation.<br>Seller Comment (2025-11-28): CT 11/28: Please see the attached //<br>| 12/01/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 11270914 | 35064880 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>|  |  | 11/26/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10262782 | 35016671 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  |  |  |  | 11/21/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12242243 | 35108242 |  | 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. | Evidence of earlier borrower receipt was not found in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-12-04): XXXXX received initial CD.<br>Seller Comment (2025-12-02): LI 12/2 Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on XXX and the mailbox rule was applied. This meets the 7 business days before the closing date of XXX<br>| 12/04/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13735397 | 35073876 |  | 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 $705.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $705.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-25): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/25/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 18782268 | 35024690 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,950.00 exceeds tolerance of $4,884.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  |  | Reviewer Comment (2025-11-20): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 11/20/2025 |  | 1<br> A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12370488 | 34976150 |  | 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-18): XXXXX received initial CD.<br>Seller Comment (2025-11-18): LI 11/18 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX and consented to it on XX. This meets the 3 business days before the closing date of XX<br>| 11/18/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12370488 | 34976152 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $4,941.22 exceeds tolerance of $0.00. $4,941.22 over legal limit. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $4941.22 due to increase of Origination fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $4941.22, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | xxxyyyxxx |  |  | Reviewer Comment (2025-11-18): XXXXX received CD and COC dated 10/31.<br>Seller Comment (2025-11-18): LI 11/18 On XX the borrower requested to change to Borrower paid Comp to reduce discount points. On XX a Closing disclosure went out to the borrower to redisclose the Lender Credits being $XXX and Discount points becoming a charge for the rate at $0.00. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form.<br>| 11/18/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12370488 | 34976168 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | The file was missing a copy of the final title policy. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 11/17/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12370488 | 34976173 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 11/17/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17389101 | 35072513 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Revised secondary appraisal was not received by borrower three (3) business days prior to consummation. | xxxyyyxxx |  |  |  |  |  | 12/01/2025 | 2<br> B |  | FL | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17389101 | 35072545 |  | 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. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 12/01/2025 | 2<br> B |  | FL | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17389101 | 35130191 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.) | xxxyyyxxx |  |  |  |  |  |  | 12/01/2025 | 2<br> A |  | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12341635 | 35039382 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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 of appraisal was delivered to borrower was not provided | xxxyyyxxx |  |  |  |  |  | 11/25/2025 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12341635 | 35039384 |  | 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/XX/XX/XX) | xxxyyyxxx |  |  | Reviewer Comment (2025-11-28): XXXXX received initial CD dated 11/07.<br>Seller Comment (2025-11-26): TF 11/26 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX and consented to it on XX. This meets the 3 business days before the closing date of XX<br>| 11/28/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10915307 | 35117761 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxyyyxxx | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): .<br>| xxxyyyxxx |  | 12/02/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10915307 | 35119761 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxyyyxxx | Verified liquid assets in the amount of $0.00 are insufficient to meet cash to close of $3,083.12 Final 1008 reflects $0.00 verified. | xxxyyyxxx |  |  | Reviewer Comment (2025-12-04): Received invoice documents for paid before closing, verified and updated the details, available funds are sufficient for closing. Exception Cleared.<br>Seller Comment (2025-12-03): 12/3 MM: Please see attached CD that shows the borrower received $2,298.88. The borrower does not owe any funds for closing.<br>| 12/04/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16725149 | 35161499 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-27): Original Appraisal Received. Exception Cleared<br>Buyer Comment (2025-10-24): Appraisal<br>| 10/27/2025 |  |  | 1<br> B<br> A |  | NJ | Primary | Refinance - Rate/Term | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14567305 | 35279020 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Escrow did not provide appropriate checked box indicating explanation for declining escrow account on the Final CD. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-06): XXXXX Received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-10-06): LOE<br>Buyer Comment (2025-10-06): PCCD<br>Reviewer Comment (2025-10-03): XXXXX received PCCD dated XX/XX/XX, however Post CD did not designate a reason on Page 4 " Escrow Account - Will Not Have an Escrow Account Because" - reason was missing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure.<br>Buyer Comment (2025-10-02): PCCD for cure - please add to review<br>Buyer Comment (2025-10-02): Final CD<br>| xxxyyyxxx | 10/06/2025 |  | 2<br> C<br> B |  | CO | Second Home | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 14567305 | 35279021 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,075.00 exceeds tolerance of $695.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $695 on Initial LE and $1,075 on Final CD. Evidence of complete cure not provided nor was valid COC provided. $200 cure provided on CD. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-01): XXXXX received Letter of Explanation, Proof of Delivery and Copy of Refund Check.<br>Buyer Comment (2025-09-29): Shipping label<br>Buyer Comment (2025-09-29): Refund check<br>Buyer Comment (2025-09-29): LOE<br>| xxxyyyxxx | 10/01/2025 |  | 2<br> C<br> B |  | CO | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 14567305 | 35279022 |  | Credit | Missing Document | General | Missing Document | Missing Document: K-1 not provided | xxxyyyxxx | Require income documentation K-1, with two year business tax returns and third party employment verification for the business "XXXXX" reflecting in 1040 Schedule E. No supporting document available. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-07): Noted updated 1003, 1008 and AUS. exception cleared.<br>Buyer Comment (2025-10-03): updated 1003<br>Buyer Comment (2025-10-03): Updated AUS<br>Buyer Comment (2025-10-03): Updated 1008<br>Reviewer Comment (2025-10-01): Provide updated 1003/1008/AUS with Included loss from Wildlife Partners LLC as Lender did not Included loss for qualification. DTI variance more than tolerance limit. Exception Remains<br>Buyer Comment (2025-09-30): Per lender: He is less than 25% owner so the return should not be needed. There was not one for XXXXX.<br>| 10/07/2025 |  |  | 1<br> C<br> A |  | CO | Second Home | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10315553 | 35279044 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to Points and Fees. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-24): Compliance sheet provided.<br>Buyer Comment (2025-09-22): Please see uploaded bona fide points information.<br>| 09/24/2025 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10315553 | 35279045 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.47408% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $36,873.30 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $5,031.77 or .47408%). | Provide undiscounted rate and bona fide points excluded for additional review. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-24): Compliance sheet provided.<br>Buyer Comment (2025-09-22): Compliance Summary and Fee Details attached<br>| 09/24/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10315553 | 35279049 |  | Credit | Guideline | Guideline Issue | Guideline | Temporary Buydowns are not allowed per guidelines | xxxyyyxxx | Seller Closing Statement reflects Credit for Buyer's Interest Rate Buydown and guidelines state the loan is not eligible with buydowns. Final CD reflects Hold for Rentback of $10,000.00. Review for acceptability as Escrow Holdbacks not allowed per guidelines. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-24): Rebuttal provided. Holdback is for rent. Cleared<br>Buyer Comment (2025-09-22): Rebuttal for condition<br>| 09/24/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 14675329 | 35279051 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-01): Received Original Appraisal And Delivery Evidence. Exception Cleared<br>Buyer Comment (2025-09-30): Aopraisal<br>Buyer Comment (2025-09-30): delivery<br>| 10/01/2025 |  |  | 1<br> B<br> A |  | NC | Second Home | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16084936 | 35279053 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | xxxyyyxxx | 4506-C is missing in file for individual borrower, provided 4506-C is of business 1120S XXXXX. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Received 4506-C. Exception Cleared<br>Buyer Comment (2025-10-09): 4506C signed prior to closing<br>Reviewer Comment (2025-10-08): Guideline Follow AUS for income documentation requirement and per AUS Finding # 13 states Obtain 4506-C for each borrower whose income is used to qualified for the loan at or before closing. Provided 4506-C is signed and dated after closing. Exception Remains<br>Buyer Comment (2025-10-06): 4506<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16084936 | 35279057 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided | xxxyyyxxx | Required LOX for large deposit of $15,500 on XX/XX/XX in XXXXX. The deposit is a transfer from Borrowers account #XXXXX. Bank Statement for this account was not provided. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-02): Received Large Deposit LOX from borrower. Exception Cleared<br>Buyer Comment (2025-09-30): LOX<br>| 10/02/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16084936 | 35279058 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to insufficient income documentation. This exception will be cleared once all QM specific exceptions have been cured/cleared. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): All Open Income Asset QM Exception has been Cleared<br>Buyer Comment (2025-10-10): 4506C signed prior to closing<br>Reviewer Comment (2025-10-08): Guideline Follow AUS for income documentation requirement and per AUS Finding # 13 states Obtain 4506-C for each borrower whose income is used to qualified for the loan at or before closing. Provided 4506-C is signed and dated after closing. Exception Remains<br>Buyer Comment (2025-10-06): 4506<br>Reviewer Comment (2025-10-02): Require 4506-C for individual Borrower. Business 4506-C is not sufficient to clear the exception. 4506-C Must be signed at or before closing per AUS. exception remains<br>Buyer Comment (2025-09-30): LOX<br>| 10/10/2025 |  |  | 1<br> B<br> A<br> C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 16084936 | 35279059 |  | 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 insufficient income documentation. This exception will be cleared once all QM specific exceptions have been cured/cleared. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): All Open Income Asset QM Exception has been Cleared<br>Buyer Comment (2025-10-10): 4506C signed prior to closing<br>Reviewer Comment (2025-10-08): Guideline Follow AUS for income documentation requirement and per AUS Finding # 13 states Obtain 4506-C for each borrower whose income is used to qualified for the loan at or before closing. Provided 4506-C is signed and dated after closing. Exception Remains<br>Buyer Comment (2025-10-06): 4506<br>Reviewer Comment (2025-10-02): Require 4506-C for individual Borrower. Business 4506-C is not sufficient to clear the exception. 4506-C Must be signed at or before closing per AUS. exception remains<br>Buyer Comment (2025-09-30): LOX<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16084936 | 35279061 |  | 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 XXXXX. Fee Amount of $120.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | XXXXX Fee was disclosed as $50.00 on Initial LE and $120.00 on Final CD. Missing a valid Change of Circumstance and evidence of cure not provided in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-30): XXXXX Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-29): Copy of refund check<br>Buyer Comment (2025-09-29): LOE<br>Buyer Comment (2025-09-29): PCCD<br>Buyer Comment (2025-09-29): XXXXX details<br>Reviewer Comment (2025-09-23): XXXXX received COC dated 09/03 but the reason provided on it is not sufficient as to why the CDA was required even when appraisal is "As is". Please provide additional information to validate the change or cure would be required.<br>Buyer Comment (2025-09-22): COC<br>| xxxyyyxxx | 09/30/2025 |  | 2<br> C<br> B |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 18350307 | 35279081 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxyyyxxx | Bank statements/Assets are not given in this file hence require the following as per final 1003 to meet the closing requirement.<br> XXXXX | xxxyyyxxx |  |  | Reviewer Comment (2025-09-23): Received bank statement required for closing cost and reserve requirement and associated the same accordingly. Exception cleared.<br>Buyer Comment (2025-09-22): Assets<br>| 09/23/2025 |  |  | 1<br> C<br> A |  | MO | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15464769 | 35279090 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | xxxyyyxxx | E-sign Consent Agreement is missing. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-06): Noted E-signed Consent Agreement. exception cleared<br>Buyer Comment (2025-10-03): Econsent<br>| 10/06/2025 |  |  | 1<br> C<br> A |  | AL | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15464769 | 35279091 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | xxxyyyxxx | Tax verification and insurance verification for property "XXXXX" is missing in file. (Property is free and clear, XXXXX not have insurance). | xxxyyyxxx |  |  | Reviewer Comment (2025-10-06): Noted Tax and Insurance Verification doc. exception cleared.<br>Buyer Comment (2025-10-03): Taxes and LOE for HOI on 7208 Collins Dr<br>| 10/06/2025 |  |  | 1<br> C<br> A |  | AL | Second Home | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13381506 | 35279172 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-22): Loan is SHQM (APOR).<br>Reviewer Comment (2025-10-21): Received same Paystub end date is XX/XX/XX which more than 90 days prior to closing. Exception Remains<br>Buyer Comment (2025-10-17): See updated pay stub<br>| 10/22/2025 |  |  | 1<br> B<br> A<br> C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13381506 | 35279173 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, paystub provided was dated more than 90 days prior to closing. | Provided Paystub is dated more than 90 days prior to closing for employer XXXXX of co-borrower XXXXX. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-22): Pays stub allowed if within 120 days per guides.<br>Buyer Comment (2025-10-21): Please see item 7 on the AUS credit docs expire XX/XX/XX (Four months from Note date). Paystub can be no older than XX/XX/XX25. Paystub provided is dated XX/XX/XX25<br>Reviewer Comment (2025-10-21): Received same Paystub end date is XX/XX/XX which more than 90 days prior to closing. Exception Remains<br>Buyer Comment (2025-10-17): Updated pay stub<br>| 10/22/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13381506 | 35279176 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Escrow Account section (pg 4) "Initial Escrow Payment" does not match the Section G subtotal (pg 2). Fees paid by the Borrower and paid by the Seller. | xxxyyyxxx |  |  | Buyer Comment (2025-10-17): Lender acknowledged non material EV2<br>Buyer Comment (2025-10-17): LOX<br>| xxxyyyxxx |  | 10/17/2025 | 2<br> B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10190572 | 35279196 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. | xxxyyyxxx | The photos for provided in the 1004D are in black and white. Provide color photos. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-02): Noted 442 report with color photo. exception cleared<br>Buyer Comment (2025-10-01): 1004D<br>| 10/02/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15081272 | 35279234 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The owner on the appraisal is incorrect. | xxxyyyxxx | Owner of public records on Appraisal report is shown as XXXXX. Subject is a refinance, and previous owner is shown as owner of public record. Provide corrected appraisal reported with updated borrowers name as owner of public record. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-21): Received Appraisal report dated XX/XX/XX confirm current borrowers as owner on record. Exception cleared.<br>Buyer Comment (2025-10-21): updated appraisal and ssr's<br>| 10/21/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15081272 | 35279236 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | xxxyyyxxx | As per guide,1084 or income worksheet is required to confirm the calculation considered for Income qualification for both borrowers. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-21): Received 1084 or income worksheet and associated the same accordingly. Exception cleared.<br>Buyer Comment (2025-10-21): income worksheet<br>| 10/21/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15081272 | 35279239 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Appraisal report date is XX/XX/XX. Provide Prior appraisal report which is more than 3 days prior to the note date. | xxxyyyxxx |  |  | Buyer Comment (2025-10-22): Acknowledged non material EV2<br>Reviewer Comment (2025-10-21): Appraisal report date is 10/XX/XX/XX. Provide Prior appraisal report which is more than 3 days prior to the note date. Exception remains<br>Buyer Comment (2025-10-21): Acknowledgment<br>Buyer Comment (2025-10-21): XX Appraisal<br>| xxxyyyxxx |  | 10/22/2025 | 2<br> B |  | TX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15081272 | 35279242 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXXX result in additional fee tolerance violations. | Initial Loan estimate Issued on XX/XX/XX. which is not within three (3) business days of application. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-21): E-Consent for XX/XX/XX was received and associated accordingly. Exception Cleared<br>Buyer Comment (2025-10-21): Econsent<br>| 10/21/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15081272 | 35279243 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $725.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Tolerance Violation for Appraisal Fee With Sufficient Cure Provided At Closing. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-15): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/15/2025 |  | 1<br> A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 15081272 | 35279245 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | xxxyyyxxx | Borrower is qualified with wage and bonus income. Bonus income is considered as YTD + 2 Years. XXXXX Transcripts available. Transcript for Year XXXXX is missing in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-21): Received W2-Transcripts for 2023 and associated the same accordingly. Exception cleared.<br>Buyer Comment (2025-10-21): 2023 W2 transcripts<br>| 10/21/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15081272 | 35279246 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): 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. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-21): Income worksheet received and associated accordingly. Exception cleared.<br>Buyer Comment (2025-10-21): see income worksheets<br>| 10/21/2025 |  |  | 1<br> B<br> A<br> C |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 15081272 | 35279247 |  | 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 failure due to insufficient Income documentation. This exception will be cleared once all QM specific exceptions have been cured/cleared. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-21): Income worksheet received and associated accordingly. Exception cleared.<br>Buyer Comment (2025-10-21): see income worksheets<br>| 10/21/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19182320 | 35279272 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | The loan is to be securitized and the appraisal certification was not included in the provided valuation. Securitization valuations are required to be FIRREA/USPAP compliant. | xxxyyyxxx | Appraisal / Valuation Report Date: XX/XX/XX, Appraiser's Certification is missing in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-16): Received Appraisal License Copy. Exception Cleared<br>Buyer Comment (2025-10-15): appraisers license info<br>Buyer Comment (2025-10-14): UCDP for XXXXX in file with CU score 2.1<br>| 10/16/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19182320 | 35279277 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | xxxyyyxxx | Appraisals transferred or assigned from another lender are not acceptable. An appraisal transfer correspondence is in the file. | The representative FICO score is above 680.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 795 vs 680 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-15): Investor accepts and agrees to waive with compensating factors,.<br>Buyer Comment (2025-10-15): GS accepts transferred appraisal.<br>| xxxyyyxxx |  | 10/15/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12229540 | 35279325 |  | 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 $268.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  |  | Reviewer Comment (2025-10-14): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/14/2025 |  | 1<br> A |  | MO | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13951809 | 35279330 |  | 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 $120.00 exceeds tolerance of $80.00 plus 10% or $88.00. $32.00 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $40.00<br> due to increase of $120.00: Recording fee No valid COC provided, $0.00 evidence of cure in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): XXXXX Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-09): Please see uploaded cure documentation<br>| xxxyyyxxx | 10/10/2025 |  | 2<br> C<br> B |  | UT | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 13951809 | 35279331 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. $165.00 over legal limit. Insufficient or no cure was provided to the borrower. | COC is provided in file but is dated XX/XX/XX. Insufficient or no cure was provided to the borrower. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): XXXXX Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-09): Refund check<br>Buyer Comment (2025-10-09): Shipping label<br>Buyer Comment (2025-10-09): PCCD<br>Buyer Comment (2025-10-09): LOE<br>Reviewer Comment (2025-10-08): XXXXX Received COC dated XX/XX/XX; however, Desk Review fee added on CD XX/XX/XX which is prior to COC is not acceptable. Also, Provided COC does not provide sufficient information for addition of Appraisal desk review fee. A valid Changed Circumstance prior to CD or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-10-07): COC<br>| xxxyyyxxx | 10/10/2025 |  | 2<br> C<br> B |  | UT | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 17787337 | 35280160 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | xxxyyyxxx |  |  |  |  | Reviewer Comment (2025-10-07): Received AUS dated XX/XX/XX25. Exception cleared.<br>Buyer Comment (2025-10-03): AUS<br>Reviewer Comment (2025-10-01): Provided AUS is post-note date, require prior to the note date.<br>Buyer Comment (2025-09-29): aus<br>| 10/07/2025 |  |  | 1<br> C<br> A |  | VA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17787337 | 35280162 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee $120.00 was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-08): XXXXX Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-07): PCCD<br>Reviewer Comment (2025-10-01): XXXXX received rebuttal comment and CDA invoice but no information provided as to why the Appraisal Review was added. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure is required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-09-29): appraisal fee added same day we became aware of the charge<br>| xxxyyyxxx | 10/08/2025 |  | 2<br> C<br> B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 17619487 | 35280164 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | xxxyyyxxx | E-sign Consent Agreement is missing. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-18): E-sign Consent Agreement received. Exception cleared.<br>Buyer Comment (2025-09-16): E Consent<br>| 09/18/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17619487 | 35280166 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxyyyxxx | Supporting documents not available in file to exclude XXXXX debt from DTI ratio. $25.00 is not considered in AUS and 1008. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Revalidated updated documents and verified. Exception cleared.<br>Buyer Comment (2025-10-08): Please see attached revised AUS,1003, 1008 with XXX debt of $25 added to DTI.<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17619487 | 35280167 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to supporting documents not available in file to exclude WFBNA debt from DTI ratio. $25.00 is not considered in AUS and 1008. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Revalidated updated documents and verified. Exception cleared.<br>Buyer Comment (2025-10-08): Please see docs in Exception ID 34371399<br>| 10/10/2025 |  |  | 1<br> B<br> A<br> C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 17619487 | 35280168 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to supporting documents not available in file to exclude XXXXX debt from DTI ratio. $25.00 is not considered in AUS and 1008. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Revalidated updated documents and verified. Exception cleared.<br>Buyer Comment (2025-10-08): Please see docs in Exception ID 34371399<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 17076721 | 35280174 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $169.00 plus 10% or $185.90. Insufficient or no cure was provided to the borrower. | Recording fee was last disclosed as $169.00 on LE dated XX/XX/XX but disclosed as $200.00 on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-07): XXXXX received Post CD and LOX along with Final SS.<br>Buyer Comment (2025-10-07): Documents requested<br>Reviewer Comment (2025-10-03): XXXXX: On initial LE recording fee disclosed of $169 and further increase of $200 on XX LE without VCCs. However, XXXXX received PCCD dated XX with recording fee reduced $97 from $200 and LOE to borrower was not located in trailing documents. Please provide LOE to borrower to complete remediation. Also required true and Certified copy of the Final Settlement Statement to verify the specific fee applied the same and reevaluate this exception.<br>Buyer Comment (2025-10-01): Please escalate - the original condition was invalid and these were not even conditions of the original condition<br>Reviewer Comment (2025-09-26): XXXXX Received Corrected PCCD; however, LEO and True and certified final settlement statement not provided. Please provide LEO and True and certified final settlement statement.<br>Buyer Comment (2025-09-25): Final CD<br>Buyer Comment (2025-09-25): Please see revised final CD, recording fees charged were actual<br>Reviewer Comment (2025-09-16): XXXXX received Changed Circumstance dated XX/XX/XX, but it does not give sufficient information on why the recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-12): see revised LE from 8/21 with change circumstance for $200 recording fee that matches to final CD - no violation<br>Buyer Comment (2025-09-12): Revised LE 8/21 w/ $200 recording fee<br>| 10/07/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 16301086 | 35280191 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | xxxyyyxxx |  |  |  |  | Reviewer Comment (2025-09-18): Tax and Insurance documents received, exception cleared.<br>Buyer Comment (2025-09-17): HOI<br>| 09/18/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16301086 | 35280192 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | xxxyyyxxx |  |  |  |  | Reviewer Comment (2025-09-23): Received hazard insurance, HOA document for REO property "XXXX", information validated. Exception Cleared.<br>Buyer Comment (2025-09-22): insurance<br>Buyer Comment (2025-09-22): HOA<br>| 09/23/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16301086 | 35280193 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | xxxyyyxxx | File does not contain documentation from lender/seller confirming the condo is warrantable. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-18): Project Approval received, exception cleared.<br>Buyer Comment (2025-09-17): approval<br>| 09/18/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16301086 | 35280194 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan Designation discrepancy due to missing the most recent signed and dated 1040 as well as 1120S (XXXXX), causing the loan to waterfall. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Form 8879 is available for all Businesses; extension provided for XXXXX.<br>Buyer Comment (2025-10-08): x4 1120S - 2024 tax extensions<br>Buyer Comment (2025-10-08): 1040 - 2024 Tax extension<br>| 10/10/2025 |  |  | 1<br> B<br> A<br> C |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 16301086 | 35280195 |  | 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 loan is missing the most recent signed and dated 1040 as well as 1120S (XXXXX), causing the loan to waterfall. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Form 8879 is available for all Businesses; extension provided for XXXXX.<br>Buyer Comment (2025-10-08): x4 1120S - 2024 tax extensions<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16301086 | 35280196 |  | 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 loan is missing the most recent signed and dated 1040 as well as 1120S (XXXXX), causing the loan to waterfall. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Form 8879 is available for all Businesses; extension provided for XXXXX.<br>Buyer Comment (2025-10-08): x4 1120S - 2024 tax extensions<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16301086 | 35280197 |  | 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 loan is missing the most recent signed and dated 1040 as well as 1120S (XXXXX), causing the loan to waterfall. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Form 8879 is available for all Businesses; extension provided for XXXXX.<br>Buyer Comment (2025-10-08): x4 1120S - 2024 tax extensions<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16301086 | 35280198 |  | 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 loan is missing the most recent signed and dated 1040 as well as 1120S (XXXXX), causing the loan to waterfall. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Form 8879 is available for all Businesses; extension provided for XXXXX.<br>Buyer Comment (2025-10-08): x4 1120S - 2024 tax extensions<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16301086 | 35280200 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Most recent year XXXXX tax return is not provided. Tax return extension for XXXXX is provided. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-13): Client elects to waive.<br>Buyer Comment (2025-10-10): Please cancel - the 1120S 2024 tax extension confirmations were already provided. Per the printouts, the extensions were filed/accepted on XX/XX/XX so the actual returns weren't due until 9/1XX/XX/XX.<br>| xxxyyyxxx |  | 10/13/2025 | 2<br> B |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16301086 | 35280201 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Most recent year XXXXX tax return is not provided. Tax return extension for XXXXX is provided. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-13): Client elects to waive.<br>Buyer Comment (2025-10-10): Please cancel - the 1120S 2024 tax extension confirmations were already provided. Per the printouts, the extensions were filed/accepted on XX/XX/XX so the actual returns weren't due until 9/1XX/XX/XX.<br>| xxxyyyxxx |  | 10/13/2025 | 2<br> B |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16301086 | 35280202 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Most recent year XXXXX tax return is not provided. Tax return extension for XXXXX is provided. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-13): Client elects to waive.<br>Buyer Comment (2025-10-10): Please cancel - the 1120S 2024 tax extension confirmations were already provided. Per the printouts, the extensions were filed/accepted on XX/XX/XX so the actual returns weren't due until 9/1XX/XX/XX.<br>| xxxyyyxxx |  | 10/13/2025 | 2<br> B |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16301086 | 35280203 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Most recent year XXXXX tax return is not provided. Tax return extension for XXXXX is provided. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-13): Client elects to waive.<br>Buyer Comment (2025-10-10): Please cancel - the 1120S 2024 tax extension confirmations were already provided. Per the printouts, the extensions were filed/accepted on XX/XX/XX so the actual returns weren't due until 9/1XX/XX/XX.<br>| xxxyyyxxx |  | 10/13/2025 | 2<br> B |  | CO | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 15611103 | 35280396 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | xxxyyyxxx | Please provide an updated final 1003 or LOE for investment property on XXXXX. Final 1003 indicated no mortgage loan on the property however statement provided show PITIA. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-06): Received required documentation. Condition cleared.<br>Buyer Comment (2025-10-02): 1003<br>Reviewer Comment (2025-09-30): Exception remains: Final 1003 indicated no mortgage loan on the Inv property 9665 Atherton Dr., however statement provided show PITIA. Provide an updated final 1003 or LOE for investment property on 9665 Atherton Dr.<br>Buyer Comment (2025-09-29): mtg statement<br>| 10/06/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16781969 | 35280425 |  | 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 $262.20 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. | $14.70 cure was provided by the lender on the final Closing Disclosure. | xxxyyyxxx |  |  | Reviewer Comment (2025-09-30): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 09/30/2025 |  | 1<br> A |  | WA | Second Home | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 11538955 | 35280438 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | xxxyyyxxx | Data discrepancy with DTI. Lender DTI 46.404%, review DTI 46.26165% . The reason for the discrepancy is due to monthly subject property tax amount. Per 1008 monthly tax amount is $XXXXX however per review monthly tax amount is $XXXXX | xxxyyyxxx |  |  | Reviewer Comment (2025-10-22): Received updated 1008. Condition cleared.<br>Buyer Comment (2025-10-20): updated 1008 and 1003<br>Reviewer Comment (2025-10-07): Received tax cert which verified the taxes DD utilized. The DTI calculated is at 46.26165%. The lenders DTI on the 1008 is 46.404%. The taxes on the 1008 are $1042.59.<br>Buyer Comment (2025-10-06): taxes<br>| 10/22/2025 |  |  | 1<br> C<br> A |  | PA | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 16299726 | 35280444 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxyyyxxx |  |  |  | Reviewer Comment (2025-10-02): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/02/2025 |  | 1<br> A |  | NM | Primary | Purchase | Final CD evidences Cure<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 18036632 | 35280451 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | xxxyyyxxx | File is missing Insurance Verification & Tax Verification for the property XXXXX | xxxyyyxxx |  |  | Reviewer Comment (2025-10-14): Received Insurance Verification & Tax Verification for the property XXX, exception cleared<br>Buyer Comment (2025-10-10): reo<br>| 10/14/2025 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12687689 | 35280486 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | xxxyyyxxx |  |  |  |  | Reviewer Comment (2025-10-21): Received documentation condition cleared.<br>Buyer Comment (2025-10-17): eConsent Agreement<br>| 10/21/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10180563 | 35280488 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | xxxyyyxxx |  |  |  |  | Reviewer Comment (2025-10-17): Econsent provided.<br>Reviewer Comment (2025-10-17): Provided is the system pulled snippet, require E-sign consent agreement.<br>Buyer Comment (2025-10-15): econsent<br>| 10/17/2025 |  |  | 1<br> C<br> A |  | NY | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10180563 | 35280490 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Issue date is missing on Closing Disclosure provided on XX/XX/XX. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-16): XXXXX Received LOE stating CD without issue date not provided to the borrower.<br>Buyer Comment (2025-10-15): LOX submitted on other condition<br>| 10/16/2025 |  |  | 1<br> C<br> A |  | NY | Primary | Purchase | Good Faith Redisclosure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10180563 | 35280491 |  | 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 provided on XX/XX/XX is not signed & dated by borrower. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-16): XXXXX Received LOE stating CD without issue date not provided to the borrower.<br>Buyer Comment (2025-10-15): LOX<br>| 10/16/2025 |  |  | 1<br> C<br> A |  | NY | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 19318661 | 35280539 |  | 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 $266.00 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $248.00 on Loan Estimate but disclosed as $266.00 on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-10): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/10/2025 |  | 1<br> A |  | NJ | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 19318661 | 35280541 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | xxxyyyxxx | Flood Insurance Policy was not provided. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-20): Flood insurance updated. Exception cleared.<br>Buyer Comment (2025-10-17): PC Cert<br>| 10/20/2025 |  |  | 1<br> C<br> A |  | NJ | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 18448812 | 35280837 |  | 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 $290.00 exceeds tolerance of $0.00. $290.00 over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee on closing disclosure is $290.00 and on loan estimate $0.00. No Valid Change circumstance in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-28): XXXXX Received Corrected PCCD, LOE and Email Communication.<br>Buyer Comment (2025-10-27): pccd docs and proof sent to bwr upld<br>Reviewer Comment (2025-10-13): XXXXX Received email Communication showing title ordered survey. Kindly provide Corrected PCCD and LOE moving Survey fee to section H.<br>Buyer Comment (2025-10-10): title email upld, survey was bwr chosen.<br>| 10/28/2025 |  |  | 1<br> C<br> A |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10225872 | 35280868 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | xxxyyyxxx | Missing Insurance Verification | xxxyyyxxx |  |  | Reviewer Comment (2025-10-24): Received Letter of Explanation stating there are no HOA dues and Insurance on property XXXX. Exception Cleared<br>Buyer Comment (2025-10-22): LOX from borrower- no hoi/hoa<br>Reviewer Comment (2025-10-16): Provided lien release. File is missing insurance verification for property XXX. Exception remains<br>Buyer Comment (2025-10-14): release of lien and bwr loe upld<br>| 10/24/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10225872 | 35280869 |  | 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 $512.50 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee was last disclosed as $248.00 but disclosed as $512.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/09/2025 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 12239195 | 35280870 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxyyyxxx |  |  |  |  | Reviewer Comment (2025-10-16): Received Title Commitment with Policy Amount of $XXXX. Exception cleared.<br>Buyer Comment (2025-10-15): title<br>| 10/16/2025 |  |  | 1<br> B<br> A |  | NC | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12239195 | 35280872 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | xxxyyyxxx | Missing VVOE for current employer within 10 business days of closing | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for 20 years.<br>Guidelines Representative FICO: 660<br> Representative FICO: 787 | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-29): Client elects to waive with compensating factors.<br>Buyer Comment (2025-10-28): Lender exception approval, with compensating factors, to downgrade/waive the exceptions: Fico 787. LTV is 74.639%, DTI @ 23.769/48.028. Borrower has been in the same line of work (VP Ticket Sales) for almost 13 years with steady income.<br>Reviewer Comment (2025-10-22): Received VOE dated 9/XX/XX/XX. Required VVOE for current employer within 10 business days of closing. Exception remains.<br>Buyer Comment (2025-10-21): PGA Tour VVOE<br>Reviewer Comment (2025-10-16): Received VVOE for coborrower. File is missing VVOE for borrower with employer PGA Tour Enterprises within 10 business days of closing.<br>Buyer Comment (2025-10-15): VVOE<br>| xxxyyyxxx |  | 10/29/2025 | 2<br> C<br> B |  | NC | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 12239195 | 35280873 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | xxxyyyxxx | Missing VVOE for current employer within 10 business days of closing | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for 20 years.<br>Guidelines Representative FICO: 660<br> Representative FICO: 787 | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-29): Client elects to waive with compensating factors.<br>Buyer Comment (2025-10-28): Lender exception approval, with compensating factors, to downgrade/waive the exceptions: Fico 787. LTV is 74.639%. Borrower has very steady employment - been with the same employer for 20 years with steady income as well.<br>Reviewer Comment (2025-10-16): Received VOE dated XX/XX/XX which is after the closing date. Exception remains.<br>Buyer Comment (2025-10-15): Voe Wendy<br>| xxxyyyxxx |  | 10/29/2025 | 2<br> C<br> B |  | NC | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10506118 | 35280876 |  | Compliance | Compliance | Federal Compliance | Compliance | Subject to Rescission | Loan is subject to Rescission. | xxxyyyxxx |  |  |  | Reviewer Comment (2025-10-20): Same Lender refinance case, exception cleared<br>| 10/20/2025 |  |  | 1<br> A |  | VA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 10506118 | 35280877 |  | 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 $287.00 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $248 on Loan Estimate but disclosed as $287 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor cure was provided | xxxyyyxxx |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided At Closing<br>| xxxyyyxxx | 10/09/2025 |  | 1<br> A |  | VA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10506118 | 35280878 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,586.40 exceeds tolerance of $4,560.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was last disclosed as $4,560 on Loan Estimate but disclosed as $4,586.40 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor cure was provided | xxxyyyxxx |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided At Closing<br>|  | 10/09/2025 |  | 1<br> A |  | VA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10506118 | 35280879 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | H-8 form is required as this is not a same lender refinance. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-20): Same Lender refinance case, exception cleared<br>Buyer Comment (2025-10-17): Original lender was XXX<br>| 10/20/2025 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 10506118 | 35280880 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | xxxyyyxxx | Missing AUS. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-29): Exception cleared. Received AUS and updated correctly.<br>Buyer Comment (2025-10-28): AUS<br>| 10/29/2025 |  |  | 1<br> A |  | VA | Primary | Refinance - Rate/Term | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13578247 | 35280993 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | xxxyyyxxx | Tax Verification is missing. | xxxyyyxxx |  |  | Reviewer Comment (2025-10-31): Received Tax Verification. Exception cleared.<br>Buyer Comment (2025-10-29): tax bill<br>| 10/31/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 13578247 | 35280996 |  | 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 $825.00 exceeds tolerance of $0.00. $825.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $825.00 exceeds tolerance of $0.00. $825.00 over legal limit. No valid COC | xxxyyyxxx |  |  | Reviewer Comment (2025-11-06): XXXXX Received Corrected PCCD and LOE moving fee to section H.<br>Buyer Comment (2025-11-05): PCCD, LOX & email from title<br>| 11/06/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

---

## Exhibit 99.1

![](situs_logo.jpg)

#### Valuation Report

#### Run Date - 12/22/2025 2:09:23 PM

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [redacted] | [redacted] | [redacted] | [redacted] | 13661658 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13462235 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17312943 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16033123 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12174578 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14195161 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14182398 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13519152 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18978933 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16822472 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 10721335 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11169102 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19960987 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 10617664 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11686555 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12920762 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13423890 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13875114 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14780853 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17223660 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12239840 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 11544091 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 19392157 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14811789 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13582259 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15372390 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15964311 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15691031 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12885220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 10404043 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16920148 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 10554885 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11339563 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17886650 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12885992 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10977929 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 11613638 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10486351 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19569755 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12467367 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10818672 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13876521 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10387146 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15307100 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 18926409 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15334847 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17254056 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13241810 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11826661 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16669548 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 17556791 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14299740 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11786092 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11118800 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11244384 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13433284 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17605316 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16708059 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19002782 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18391372 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19479389 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10318512 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10481551 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11279691 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13263211 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14739218 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11000683 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14333695 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17083387 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10484411 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13202046 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16758475 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16299988 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11359218 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19828812 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10128880 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19963239 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10558060 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 14980857 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10549384 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12795477 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 14871138 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16016472 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13584511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12458511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12142342 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12830336 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19456629 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17106172 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18843068 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12807732 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12897376 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13362870 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11795632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12540122 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 19546173 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13094248 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15030351 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 18173132 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14519175 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10187494 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 17141388 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16144995 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11506984 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 19409603 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14142962 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 18826298 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10590670 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17189219 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 15361272 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10104672 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 19529344 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  | Moderate |  |  |  |  |  |  |  |  | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11498335 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10289168 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10039479 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17442573 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19696260 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 15720675 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 13943959 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12036885 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14539723 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10810395 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14315594 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18453245 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 18161007 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15818159 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 18432262 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10273268 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18686280 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16885257 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 15946321 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 16225293 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15720688 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 17550346 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14830832 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17458281 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13242388 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15899658 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12456990 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 14887834 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16443606 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10566017 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13613335 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 15193652 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14022821 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12901881 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 19719099 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19448893 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13228580 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14515917 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 10476706 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 16058301 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18578111 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15038881 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11504891 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19408441 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15363734 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16720765 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 14583391 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 16667684 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13757092 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12510958 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 17488343 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19002916 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13384648 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15389689 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19069511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18198327 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17639064 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12257819 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11297862 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11270914 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 10262782 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12242243 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13735397 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18782268 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12370488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17389101 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12341635 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10915307 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16725149 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14567305 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10315553 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14675329 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16084936 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18350307 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 11643079 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15464769 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14102806 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 13381506 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14141807 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10190572 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15081272 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15787538 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19182320 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12229540 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 13951809 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17787337 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17619487 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17076721 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16301086 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15611103 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12876214 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 16781969 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11538955 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16299726 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18036632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12687689 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10180563 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 19318661 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 17301872 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10604595 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18122922 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18448812 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10225872 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12239195 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10506118 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13578247 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |

---

## Exhibit 99.1

![](situs_logo.jpg)

#### Supplemental Data

#### Run Date - 12/22/2025 2:09:24 PM

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| [redacted] | [redacted] | [redacted] | [redacted] | 13661658 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3563.50 | $2821.50 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23347.17 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 37.071% | 37.071% | 37.071% | XXX | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $3563.50 |  | 6.800% | $18838.32 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 43.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.77 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13462235 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2020.00 | $3005.44 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $42782.83 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 18.049% | 18.049% | 18.049% | XXX | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2005 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $2020.00 |  | 6.670% | $0.00 | 5.0 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 1 | 0 | 2 | 1 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 291.97 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17312943 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24346.84 | $44598.04 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6958.33 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 44.910% | 44.910% | 44.910% | XXX | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $24346.84 |  | 6.790% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  | No |  | 30 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $5532.94 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16033123 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24907.00 | $49614.55 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9489.17 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 44.439% | 44.439% | 44.439% | XXX | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $24907.00 |  | 6.750% | $0.00 | 1.7 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 95.77 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12174578 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $2266.07 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14638.22 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 37.044% | 37.044% | 37.044% | XXX | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $1995.00 |  | 6.790% | $0.00 | 2.5 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14195161 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $3472.42 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15614.18 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 48.285% | 48.285% | 48.285% | XXX | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $1995.00 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 25.240% | No | 31 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 6.25 |  | Yes | No |  | $0.00 | $18076.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14182398 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11694.00 | $15290.37 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12765.54 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 47.037% | 47.037% | 47.037% | XXX | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $11694.00 |  | 6.750% | $0.00 | 1.1 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 2 | 0 | 1 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 26.31 |  | Yes | No |  | ($513.50) | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13519152 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $7902.19 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16872.58 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 42.053% | 42.053% | 42.053% | XXX | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1499.00 |  | 6.750% | $15000.00 | 2.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 46.450% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 75.81 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18978933 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $15083.60 | $15606.08 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21224.99 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 29.204% | 29.204% | 29.204% | XXX | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $15083.60 |  | 6.750% | $10000.00 | 1.2 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 27.420% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 8.65 |  | No | No |  | $0.00 | $8620.02 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16822472 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1515.00 | $3020.01 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $99424.77 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 21.370% | 21.370% | 21.370% | XXX | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1515.00 |  | 6.750% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 3 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 158.04 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10721335 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7089.38 | $8071.57 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $18321.81 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.444% | 45.444% | 45.444% | XXX | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $7089.38 |  | 6.320% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  | No | 4.75 |  | No | No |  | $0.00 | $17333.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11169102 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $42165.00 | $44213.11 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22844.13 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 49.771% | 49.771% | 49.771% | XXX | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $42165.00 |  | 6.750% | $0.00 | 2.7 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 28 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 158.06 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19960987 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11938.50 | $15294.32 |  | XXX | XXXX | XXX | XXXX | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24212.70 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 33.563% | 33.563% | 33.563% | XXX | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $11938.50 |  | 6.750% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | XXXX | XXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 1242.1 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10617664 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18086.72 | $20550.65 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21937.47 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 47.824% | 47.824% | 47.824% | XXX | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $18086.72 |  | 6.750% | $5000.00 | 1.0 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 2 | 2 | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 44.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 48.62 |  | Yes | No |  | $10459.95 | $16078.40 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11686555 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1820.00 | $9317.68 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36939.73 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 39.238% | 39.238% | 39.238% | XXX | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1820.00 |  | 6.630% | $183960.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 31.020% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 35.27 |  | No | No |  | $0.00 | $41472.73 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12920762 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $16760.00 | $40276.82 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10326.44 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 49.344% | 49.344% | 49.344% | XXX | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $16760.00 |  | 6.750% | $0.00 | 1.7 | DU |  | ApproveEligible | No | No | XXXX | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 58.830% | No | 31 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.83 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13423890 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22075.60 | $23811.12 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22550.18 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 31.462% | 31.462% | 31.462% | XXX | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $22075.60 |  | 6.220% | $25000.00 | 2.2 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 39.420% | No | 32 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 33.12 |  | Yes | No |  | $0.00 | $14568.44 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13875114 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1499.00 | $4366.66 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9553.15 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 41.211% | 41.211% | 41.211% | XXX | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1499.00 |  | 6.750% | $0.00 | 2.7 | DU |  | ApproveEligible | No | No | XXXX | 2 |  | 0 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 27.210% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14780853 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11900.00 | $12775.20 |  | XXX | XXXX | XXX | XXXX | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12045.49 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 37.827% | 37.827% | 37.827% | XXX | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Note Receivable]; Account Statements - 2025<br> [Borrower - \| Primary Income - Note Receivable]; Note - 2022<br> [Borrower - \| Primary Income - Note Receivable]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $11900.00 |  | 6.630% | $0.00 | 3.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 2 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 91.810% | No |  | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 102.18 |  | No | No |  | $0.00 | $3005.60 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17223660 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1995.00 | $4892.19 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7926.53 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.524% | 45.524% | 45.524% | XXX | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $1995.00 |  | 6.750% | $0.00 | 1.6 | DU |  | ApproveEligible | Yes | No | XXXX | 2 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12239840 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8491.25 | $18518.20 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $15397.56 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 42.723% | 42.723% | 42.723% | XXX | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $8491.25 |  | 6.570% | $6395.96 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 22.220% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  | 12.55 |  | Yes | No |  | $0.00 | $9782.21 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11544091 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12929.38 | $14711.63 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7569.17 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 46.821% | 46.821% | 46.821% | XXX | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $12929.38 |  | 6.320% | $0.00 |  | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 14.19 |  | No | No |  | $0.00 | $6250.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19392157 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2020.00 | $64.58 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20884.63 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 35.226% | 35.226% | 35.226% | XXX | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $2020.00 |  | 6.630% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 8 | 34 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 8.66 |  | No | No |  | $0.00 | $12492.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14811789 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1987.00 | $63894.10 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22023.15 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 47.142% | 47.142% | 47.142% | XXX | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1987.00 |  | 6.630% | $0.00 | 5.0 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 415.07 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13582259 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20680.25 | $21375.25 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20308.24 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 30.389% | 30.389% | 30.389% | XXX | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; Employment Offer - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $20680.25 |  | 6.610% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  | 7 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 5.68 |  |  | No |  | $0.00 | $13749.99 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15372390 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12319.00 | $11867.42 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $40529.12 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 22.333% | 22.333% | 22.333% | XXX | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $12319.00 |  | 6.630% | $0.00 | 1.7 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 12.14 |  |  | No |  | $0.00 | $33500.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15964311 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1800.00 | $7208.87 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24689.28 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 30.700% | 30.700% | 30.700% | XXX | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $1800.00 |  | 6.610% | $0.00 | 2.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 30.310% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 8.93 |  |  | No |  | $14793.29 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15691031 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13284.00 | $16686.72 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17218.34 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 44.901% | 44.901% | 44.901% | XXX | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $13284.00 |  | 6.610% | $0.00 | 2.3 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 98.620% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 138.34 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12885220 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25187.00 | $46716.61 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $53980.79 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 46.968% | 46.968% | 46.968% | XXX | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $25187.00 |  | 6.610% | $2600.00 |  | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 1 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 3.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 63.06 |  | Yes | No |  | $148.13 | $15166.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10404043 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $2842.00 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11233.18 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 39.352% | 39.352% | 39.352% | XXX | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs |  |  | 6.540% | $0.00 | 3.8 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 4.510% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.62 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16920148 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21044.50 | $27223.53 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13988.46 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 49.981% | 49.981% | 49.981% | XXX | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $21044.50 |  | 6.610% | $0.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10554885 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1995.00 | $6133.60 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $13619.12 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 44.443% | 44.443% | 44.443% | XXX | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $1995.00 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  | No |  |  |  | No |  | $0.00 | $17177.92 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11339563 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $8024.00 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $38817.87 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 35.736% | 35.736% | 35.736% | XXX | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1640.00 |  | 6.610% | $0.00 | 2.3 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17886650 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8500.00 | $11057.50 |  | XXX | XXXX | XXX | XXXX | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15259.09 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 49.994% | 49.994% | 49.994% | XXX | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $8500.00 |  | 6.570% | $0.00 | 3.1 | DU |  | ApproveEligible | No | No | XXXX | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 474.85 |  | No | No |  | $12668.34 | $17846.40 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12885992 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10313.00 | $13413.24 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11666.71 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 43.904% | 43.904% | 43.904% | XXX | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $10313.00 |  | 6.540% | $0.00 | 4.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 2 | 0 | 3 | 2 |  |  | 7.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 31.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.06 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10977929 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19195.00 | $3937.63 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $39615.67 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 29.989% | 29.989% | 29.989% | XXX | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $19195.00 |  | 6.630% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 51.62 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11613638 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18169.80 | $19479.05 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20163.02 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 28.534% | 28.534% | 28.534% | XXX | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $18169.80 |  | 6.630% | $25000.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 41.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 40.77 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10486351 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12250.60 | $14861.99 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7685.24 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 41.997% | 41.997% | 41.997% | XXX | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $12250.60 |  | 6.630% | $10000.00 | 3.1 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 26.850% | No | 0 | 3 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.63 |  |  | No |  | $0.00 | $5833.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19569755 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $6000.62 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27051.37 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 48.441% | 48.441% | 48.441% | XXX | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1640.00 |  | 6.630% | $400000.00 | 2.0 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 22.470% | No | 33 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 12.7 |  | Yes | No |  | $0.00 | $37709.16 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12467367 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1890.00 | $2880.98 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8211.31 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 30.977% | 30.977% | 30.977% | XXX | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1890.00 |  | 6.750% | $0.00 | 1.2 | DU |  | ApproveEligible | No | No | XXXX | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10818672 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $32387.59 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28334.52 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 36.838% | 36.838% | 36.838% | XXX | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1790.00 |  | 6.630% | $0.00 | 2.5 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 33.400% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13876521 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1990.00 | $236.54 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36586.27 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 43.748% | 43.748% | 43.748% | XXX | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1990.00 |  | 6.630% | $39648.04 | 1.0 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 61.830% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 65.45 |  | No | No |  | $0.00 | $38686.76 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10387146 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1670.00 | $8588.86 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35692.04 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 25.677% | 25.677% | 25.677% | XXX | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1670.00 |  | 6.310% | $0.00 | 4.3 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 156.82 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15307100 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16322.00 | $17788.18 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10526.24 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 46.742% | 46.742% | 46.742% | XXX | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $16322.00 |  | 6.220% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 51.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18926409 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6222.21 | $8009.08 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10935.69 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 44.018% | 44.018% | 44.018% | XXX | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6222.21 |  | 6.610% | $0.00 | 2.5 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 15.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15334847 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10053.48 | $8742.55 |  | XXX | XXXX | XXX | XXXX | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31089.49 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 46.809% | 46.809% | 46.809% | XXX | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Deposit Receipt - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $10053.48 |  | 6.630% | $0.00 | 1.2 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 0 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 13.5 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17254056 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $995.00 | $2550.37 |  | XXX | XXXX | XXX | XXXX | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17989.76 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 44.186% | 44.186% | 44.186% | XXX | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Business License - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $995.00 |  | 6.630% | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 22.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 1.04 |  |  | No |  | $9698.46 | $22533.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13241810 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1090.00 | $2104.58 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10589.20 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 42.586% | 42.586% | 42.586% | XXX | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1090.00 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 25 | 32 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 4.06 |  | No | No |  | $0.00 | $7916.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11826661 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10275.00 | $14540.25 |  | XXX | XXXX | XXX | XXXX | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9703.96 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 47.540% | 47.540% | 47.540% | XXX | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $10275.00 |  | 6.630% | $0.00 | 1.7 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 0 | 0 | 2 | 0 | 2 | 3 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | XXXX | XXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 46 |  | No | Yes |  | $10612.74 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16669548 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7291.82 | $9778.67 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23701.24 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 32.953% | 32.953% | 32.953% | XXX | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $7291.82 |  | 6.320% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 66.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11397296 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7195.75 | $10876.87 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24167.57 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 48.056% | 48.056% | 48.056% | XXX | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $7195.75 |  | 6.630% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 32 | 30 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 1.08 |  | No | No |  | $0.00 | $12294.57 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17556791 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1845.00 | $2613.03 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16550.86 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 34.296% | 34.296% | 34.296% | XXX | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $1845.00 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 6.99 |  |  | No |  | $0.00 | $9356.80 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14299740 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2785.00 | $12501.56 |  | XXX | XXXX | XXX | XXXX | No | Yes | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16872.41 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 47.824% | 47.824% | 47.824% | XXX | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $2785.00 |  | 6.570% | $0.00 | 5.0 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 1 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0 |  | No | No |  | $0.00 | $9198.87 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11786092 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $3118.12 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15040.70 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 36.830% | 36.830% | 36.830% | XXX | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1640.00 |  | 6.570% | $0.00 | 1.4 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 100.000% | No | 10 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 475.23 |  | Yes | No |  | $8809.86 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11118800 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5899.38 | $7891.65 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9580.72 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 22.944% | 22.944% | 22.944% | XXX | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $5899.38 |  | 6.750% | $346262.78 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 14.540% | No |  | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 22.22 |  |  | No |  | $0.00 | $4933.28 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11244384 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2220.00 | $8564.72 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13622.85 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 42.077% | 42.077% | 42.077% | XXX | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $2220.00 |  | 6.630% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | XXXX | XXXX | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 203.27 |  |  | No |  | $3911.70 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13433284 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2145.00 | $3833.42 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29060.85 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 34.756% | 34.756% | 34.756% | XXX | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $2145.00 |  | 6.570% | $0.00 | 4.3 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $0.00 | $21916.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17605316 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $34864.04 | $40233.52 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20659.29 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 37.238% | 37.238% | 37.238% | XXX | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $34864.04 |  | 6.540% | $553000.00 | 5.0 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 46.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 64.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16708059 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $5959.18 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $42012.54 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 40.883% | 40.883% | 40.883% | XXX | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Child Support]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Child Support]; Divorce Decree - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1640.00 |  | 6.570% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 31.950% | No | 4 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 22.42 |  | Yes | No |  | $4400.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19002782 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1195.00 | $6285.74 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17701.49 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 37.419% | 37.419% | 37.419% | XXX | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $1195.00 |  | 6.570% | $0.00 | 4.5 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18391372 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14194.44 | $13410.78 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13795.62 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 32.955% | 32.955% | 32.955% | XXX | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $14194.44 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 36.280% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 21.59 |  | No | No |  | $0.00 | $11853.98 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19479389 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7688.33 | $15258.61 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $158707.95 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 11.997% | 11.997% | 11.997% | XXX | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $7688.33 |  | 6.570% | $0.00 | 3.0 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 30.65 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10318512 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1968.00 | $2907.10 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $45365.26 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 30.179% | 30.179% | 30.179% | XXX | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1968.00 |  | 6.570% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 54.81 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10481551 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5239.03 | $6333.58 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $97238.14 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 11.870% | 11.870% | 11.870% | XXX | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2025<br> [Borrower - \| Primary Income - C-Corp]; Other - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $5239.03 |  | 6.570% | $0.00 | 4.3 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.07 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11279691 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5165.60 | $5430.33 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20398.16 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 31.048% | 31.048% | 31.048% | XXX | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $5165.60 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13263211 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1770.00 | $4629.88 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16435.81 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 49.973% | 49.973% | 49.973% | XXX | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1770.00 |  | 6.570% | $1925.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 60.070% | No | 32 | 2 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 59.53 |  | No | No |  | $0.00 | $22853.59 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14739218 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $3265.28 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $40882.50 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 38.470% | 38.470% | 38.470% | XXX | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1640.00 |  | 6.540% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 21.49 |  | No | No |  | $0.00 | $37276.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11000683 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6164.69 | $7602.74 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11080.46 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 33.517% | 33.517% | 33.517% | XXX | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6164.69 |  | 6.570% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.94 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14333695 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5485.00 | $10057.22 |  | XXX | XXXX | XXX | XXXX | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27191.42 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 24.117% | 24.117% | 24.117% | XXX | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $5485.00 |  | 6.540% | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 131.46 |  |  | No |  | $0.00 | $35833.35 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17083387 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11108.03 | $34222.14 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13288.77 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 36.257% | 36.257% | 36.257% | XXX | 827 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $11108.03 |  | 6.570% | $0.00 | 2.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.24 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10484411 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7675.50 | $9603.42 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29250.94 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 31.005% | 31.005% | 31.005% | XXX | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $7675.50 |  | 6.570% | $0.00 | 3.2 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.72 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13202046 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2188.00 | $8712.28 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12545.65 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 41.213% | 41.213% | 41.213% | XXX | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $2188.00 |  | 6.540% | $0.00 | 2.4 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 33.370% | No | 33 | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 21.43 |  |  | No |  | $0.00 | $6299.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16758475 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $17590.41 | $18408.49 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25222.99 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 42.655% | 42.655% | 42.655% | XXX | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | United Shore (UWM) | $17590.41 |  | 6.310% | $0.00 | 2.1 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 0 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 38.36 |  | No | No |  | $0.00 | $8984.38 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16299988 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $0.00 | $1315.95 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8190.16 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.985% | 45.985% | 45.985% | XXX | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) |  |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $6250.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11359218 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2070.00 | $3260.95 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18324.33 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 47.014% | 47.014% | 47.014% | XXX | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $2070.00 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 2 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | VantageScore 2.0 |  |  |  |  |  |  |  |  |  |  | No | 17.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19828812 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1670.00 | $3387.65 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31241.32 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 28.590% | 28.590% | 28.590% | XXX | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1670.00 |  | 6.540% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 66.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 72.83 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10128880 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10795.00 | $9079.15 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9200.15 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 43.003% | 43.003% | 43.003% | XXX | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Alimony]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Alimony]; Divorce Decree - 2023<br> [Borrower - \| Non-Primary Income - Child Support]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Divorce Decree - 1971 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $10795.00 |  | 6.540% | $14506.88 | 1.1 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 41.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.92 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19963239 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7045.00 | $12656.03 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21808.85 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 42.600% | 42.600% | 42.600% | XXX | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $7045.00 |  | 6.540% | $0.00 | 5.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 23.06 |  | No | No |  | $18997.33 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10558060 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1195.00 | $1675.50 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $45439.31 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 29.809% | 29.809% | 29.809% | XXX | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $1195.00 |  | 6.540% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.53 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14980857 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2420.00 | $14453.06 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11574.89 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 38.547% | 38.547% | 38.547% | XXX | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $2420.00 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10549384 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26650.00 | $38565.85 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20050.55 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.938% | 45.938% | 45.938% | XXX | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $26650.00 |  | 6.310% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12795477 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5045.00 | $15230.35 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13792.41 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 43.033% | 43.033% | 43.033% | XXX | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $5045.00 |  | 6.540% | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 29.690% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 10.23 |  | No | No |  | $0.00 | $12038.25 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14871138 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $6492.91 |  | XXX | XXXX | XXX | XXXX | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18748.41 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 44.650% | 44.650% | 44.650% | XXX | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) |  |  | 6.220% | $0.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 461.49 |  | No | No |  | $7872.22 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16016472 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $14185.05 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $50706.72 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 28.918% | 28.918% | 28.918% | XXX | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1640.00 |  | 6.540% | $2500.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 88.130% | No | 7 | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 111.78 |  | Yes | No |  | $0.00 | $11325.44 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13584511 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1595.00 | $14211.10 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18077.01 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 36.050% | 36.050% | 36.050% | XXX | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1595.00 |  | 6.220% | $0.00 | 4.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 30 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 24.92 |  |  | No |  | $0.00 | $19897.94 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12458511 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $4128.89 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | India | India |  |  | $14700.26 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 47.300% | 47.300% | 47.300% | XXX | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1499.00 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 31 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  | No | 19.45 |  | No | No |  | $0.00 | $13334.42 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12142342 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4995.01 | $8831.80 |  | XXX | XXXX | XXX | XXXX | No | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10112.03 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.137% | 45.137% | 45.137% | XXX | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $4995.01 |  | 6.570% | $0.00 | 2.0 | DU |  | ApproveEligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 11.3 |  |  | No |  | $0.00 | $11250.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12830336 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6226.23 | $8605.23 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15045.45 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 42.684% | 42.684% | 42.684% | XXX | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6226.23 |  | 6.540% | $0.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 29.02 |  | No | No |  | $0.00 | $7500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19456629 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1290.00 | $103.20 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26036.97 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 38.374% | 38.374% | 38.374% | XXX | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1290.00 |  | 6.540% | $0.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 18 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 12.01 |  |  | No |  | $0.00 | $19333.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17106172 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $705.50 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $34184.32 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 19.281% | 19.281% | 19.281% | XXX | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs |  |  | 6.750% | $0.00 | 1.7 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 30 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.08 |  |  | No |  | $0.00 | $15266.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18843068 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11435.00 | $14875.37 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11009.37 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 43.806% | 43.806% | 43.806% | XXX | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $11435.00 |  | 6.540% | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 1 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 8.42 |  | No | No |  | $0.00 | $3880.93 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12807732 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1570.00 | $11999.10 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21299.88 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 43.010% | 43.010% | 43.010% | XXX | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1570.00 |  | 6.540% | $0.00 | 2.1 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.57 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12897376 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7127.57 | $11319.89 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12742.84 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 43.782% | 43.782% | 43.782% | XXX | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $7127.57 |  | 6.310% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 52.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13362870 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13769.95 | $26416.88 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed | Non-Employment Income |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $14264.78 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 44.041% | 44.041% | 44.041% | XXX | 776 | 796 | 776 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $13769.95 |  | 6.630% | $0.00 | 3.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 31 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  | No | 6.52 |  | No | No |  | $10255.62 | $5647.22 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11795632 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2003.80 | $4471.85 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12112.46 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 36.576% | 36.576% | 36.576% | XXX | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $2003.80 |  | 6.540% | $0.00 | 1.9 | DU |  | ApproveEligible | Yes | No | XXXX | 1 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 1.61 |  |  | No |  | $5447.54 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12540122 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $5045.20 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13026.28 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 34.869% | 34.869% | 34.869% | XXX | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $1995.00 |  | 6.540% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19546173 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2317.60 | $4375.62 |  | XXX | XXXX | XXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9639.72 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 49.809% | 49.809% | 49.809% | XXX | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $2317.60 |  | 6.540% | $0.00 | 2.0 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | XXXX | XXXX | 94.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.06 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13094248 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1574.00 | $4274.95 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27098.26 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 35.150% | 35.150% | 35.150% | XXX | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1574.00 |  | 6.220% | $10000.00 | 4.5 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 58.910% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 66.87 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15030351 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1465.00 | $8745.69 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30329.69 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 37.009% | 37.009% | 37.009% | XXX | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $1465.00 |  | 6.320% | $0.00 |  | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 63.14 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18173132 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20697.20 | $24146.25 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16196.69 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 44.784% | 44.784% | 44.784% | XXX | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $20697.20 |  | 6.290% | $0.00 | 4.1 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 1 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 2 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 40.27 |  | No | No |  | $0.00 | $10999.73 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14519175 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13795.00 | $19084.49 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19172.94 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 41.750% | 41.750% | 41.750% | XXX | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $13795.00 |  | 6.320% | $0.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10187494 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18295.00 | $2769.64 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18647.12 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 46.798% | 46.798% | 46.798% | XXX | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $18295.00 |  | 6.220% | $27633.68 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 55.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 71.77 |  | No | No |  | $0.00 | $16089.84 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17141388 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3478.67 | $6979.28 |  | XXX | XXXX | XXX | XXXX | No | Yes | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26270.77 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 36.703% | 36.703% | 36.703% | XXX | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $3478.67 |  | 6.290% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 4 |  | No | No |  | $0.00 | $21866.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16144995 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11282.25 | $24657.11 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $89273.38 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 10.481% | 10.481% | 10.481% | XXX | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $11282.25 |  | 6.320% | $0.00 | 1.8 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 1 | 0 | 1 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.66 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11506984 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $40303.12 | $43237.85 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $54479.47 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 22.594% | 22.594% | 22.594% | XXX | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $40303.12 |  | 6.320% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 906.26 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19409603 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18351.00 | $22415.18 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $62651.42 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 16.565% | 16.565% | 16.565% | XXX | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $18351.00 |  | 6.220% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 3 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 49.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 7.11 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14142962 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2490.00 | $8423.76 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42987.48 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 19.082% | 19.082% | 19.082% | XXX | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $2490.00 |  | 6.320% | $3000.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 39.140% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18826298 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11795.00 | $18252.78 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17849.21 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 38.799% | 38.799% | 38.799% | XXX | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $11795.00 |  | 6.320% | $0.00 | 2.7 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10590670 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2320.00 | $927.02 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36888.59 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 30.069% | 30.069% | 30.069% | XXX | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $2320.00 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 63.58 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17189219 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7487.13 | $19029.86 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16613.62 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 41.497% | 41.497% | 41.497% | XXX | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $7487.13 |  | 6.320% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15361272 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13496.25 | $16156.74 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16004.79 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 48.241% | 48.241% | 48.241% | XXX | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $13496.25 |  | 6.320% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  | No | 3 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.38 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10104672 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2048.00 | $6956.25 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21234.51 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 27.221% | 27.221% | 27.221% | XXX | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $2048.00 |  | 6.320% | $0.00 |  | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.36 |  |  | No |  | $0.00 | $17666.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19529344 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $11818.45 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26021.43 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 46.844% | 46.844% | 46.844% | XXX | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1640.00 |  | 6.220% | $0.00 | 1.3 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 5.97 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 53.760% | No |  | 32 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 55.74 |  | Yes | No |  | $0.00 | $32564.84 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11498335 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8463.77 | $13458.57 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13758.63 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 43.284% | 43.284% | 43.284% | XXX | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $8463.77 |  | 6.320% | $0.00 | 2.6 | DU |  | ApproveEligible | Yes | No | XXXX | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 41.230% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.59 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10289168 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2087.00 | $16344.53 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $19502.92 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.573% | 45.573% | 45.573% | XXX | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $2087.00 |  | 6.320% | $26380.00 | 1.7 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 49.340% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 37.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10039479 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7966.23 | $12869.75 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22859.44 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 48.985% | 48.985% | 48.985% | XXX | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $7966.23 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 41.630% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 32.14 |  | Yes | No |  | $0.00 | $18281.43 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17442573 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13242.15 | $14987.81 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19085.96 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.657% | 45.657% | 45.657% | XXX | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $13242.15 |  | 6.750% | $200000.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 16.410% | No | 11 | 20 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 14.97 |  | Yes | No |  | $0.00 | $14249.28 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19696260 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5675.00 | $8927.75 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9545.02 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 42.730% | 42.730% | 42.730% | XXX | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $5675.00 |  | 6.220% | $8075.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 36.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.62 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15720675 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11665.00 | $16066.82 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13254.17 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 47.250% | 47.250% | 47.250% | XXX | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $11665.00 |  | 6.610% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 26.980% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.03 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13943959 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2087.00 | $10039.58 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12008.15 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 42.289% | 42.289% | 42.289% | XXX | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $2087.00 |  | 6.830% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 15.330% | No | 30 | 30 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 10.6 |  |  | No |  | $0.00 | $7291.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12036885 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $59566.18 | $66086.14 |  | XXX | XXXX | XXX | XXXX | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29633.03 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 39.661% | 39.661% | 39.661% | XXX | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $59566.18 |  | 6.310% | $0.00 | 1.7 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 14.48 |  |  | No |  | $49111.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14539723 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2179.00 | $4611.68 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14318.12 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 26.848% | 26.848% | 26.848% | XXX | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $2179.00 |  | 6.220% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 2 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 31.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.37 |  | No | No |  | $9391.43 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10810395 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6190.17 | $9341.39 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11456.14 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.736% | 45.736% | 45.736% | XXX | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6190.17 |  | 6.310% | $0.00 | 1.7 | DU |  | ApproveEligible | No | No | XXXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 39.940% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.56 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14315594 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2520.00 | $0.00 |  | XXX | XXXX | XXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26180.39 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 40.450% | 40.450% | 40.450% | XXX | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Restricted Stock Agreement - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Restricted Stock Agreement - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $2520.00 |  | 6.310% | $30000.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 65.750% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 76.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18453245 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10668.76 | $16110.20 |  | XXX | XXXX | XXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14861.41 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 49.167% | 49.167% | 49.167% | XXX | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $10668.76 |  | 6.310% | $0.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | XXXX | XXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.61 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18161007 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $39620.60 | $43503.02 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | Israel | Israel |  |  | $25458.53 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.640% | 45.640% | 45.640% | XXX | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $39620.60 |  | 6.540% | $2000.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 31.440% | No | 33 | 1 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  |  | 11.26 |  | No | No |  | $0.00 | $13500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15818159 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26195.00 | $0.00 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18055.29 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.870% | 45.870% | 45.870% | XXX | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $26195.00 |  | 6.310% | $50000.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 | 1 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 8.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 29.37 |  | No | No |  | $0.00 | $11788.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18432262 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $39665.00 | $46108.55 |  | XXX | XXXX | XXX | XXXX | No | Yes | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $59190.93 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 32.145% | 32.145% | 32.145% | XXX | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $39665.00 |  | 6.670% | $0.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 3 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 55.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 51.74 |  | No | No |  | $87230.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10273268 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4058.95 | $7694.49 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27642.96 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 20.689% | 20.689% | 20.689% | XXX | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $4058.95 |  | 6.310% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 24.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 7.4 |  |  | No |  | $0.00 | $14162.29 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18686280 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8305.00 | $14422.57 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8465.17 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 49.940% | 49.940% | 49.940% | XXX | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Deposit Receipt - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $8305.00 |  | 6.310% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.82 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16885257 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6121.32 | $8671.89 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18887.66 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 36.507% | 36.507% | 36.507% | XXX | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6121.32 |  | 6.310% | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 27.430% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.42 |  |  | No |  | $0.00 | $16106.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15946321 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1625.00 | $9699.61 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $44411.31 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 22.903% | 22.903% | 22.903% | XXX | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $1625.00 |  | 6.310% | $5000.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 62.470% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 73.35 |  | Yes | No |  | $0.00 | $15000.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16225293 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1740.00 | $7362.46 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12783.84 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 48.865% | 48.865% | 48.865% | XXX | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1740.00 |  | 6.310% | $250000.00 | 3.2 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 20.320% | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.83 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15720688 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.28 | $28553.54 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18070.71 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 46.490% | 46.490% | 46.490% | XXX | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6194.28 |  | 6.160% | $49216.50 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 72.900% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 85.58 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17550346 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $12639.80 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12337.60 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 46.109% | 46.109% | 46.109% | XXX | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $1995.00 |  | 6.310% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 14.4 |  | No | No |  | $0.00 | $4331.60 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14830832 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6339.00 | $7798.70 |  | XXX | XXXX | XXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13538.57 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 31.599% | 31.599% | 31.599% | XXX | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Deposit Receipt - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6339.00 |  | 6.310% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | N/A | No | XXXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17458281 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4347.89 | $8789.66 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10767.18 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 49.980% | 49.980% | 49.980% | XXX | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $4347.89 |  | 6.160% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.9 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13242388 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21135.00 | $9446.17 |  | XXX | XXXX | XXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26761.68 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 19.715% | 19.715% | 19.715% | XXX | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 2025<br> [Borrower - \| Primary Income - Trust Income]; Other - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $21135.00 |  | 6.310% | $21500.00 | 3.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 174.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15899658 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6195.42 | $8554.57 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18919.55 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 36.625% | 36.625% | 36.625% | XXX | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6195.42 |  | 6.310% | $0.00 | 2.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 26.460% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 7.3 |  |  | No |  | $0.00 | $8333.87 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12456990 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6389.68 | $8945.35 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $45506.49 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 26.960% | 26.960% | 26.960% | XXX | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6389.68 |  | 6.310% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 24.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.55 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14887834 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11193.03 | $31714.98 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $54636.33 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 29.147% | 29.147% | 29.147% | XXX | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $11193.03 |  | 6.240% | $39455.81 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 57.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.52 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16443606 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4194.57 | $5102.32 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7596.34 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 44.032% | 44.032% | 44.032% | XXX | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $4194.57 |  | 6.290% | $0.00 | 1.9 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10566017 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $3638.34 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20640.20 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.852% | 45.852% | 45.852% | XXX | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1995.00 |  | 6.290% | $15000.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 38.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.65 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13613335 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1000.64 | $4306.35 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $58564.08 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 31.763% | 31.763% | 31.763% | XXX | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $1000.64 |  | 6.290% | $0.00 |  | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 28.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.09 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15193652 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2070.00 | $3741.61 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29532.86 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 35.565% | 35.565% | 35.565% | XXX | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $2070.00 |  | 6.290% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 1 | 1 | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 23 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 17.86 |  | No | No |  | $0.00 | $20833.32 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14022821 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12288.08 | $19016.63 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19665.51 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.225% | 45.225% | 45.225% | XXX | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $12288.08 |  | 6.290% | $0.00 | 1.8 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 1 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12901881 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4431.87 | $7483.42 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33609.58 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 19.466% | 19.466% | 19.466% | XXX | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $4431.87 |  | 6.290% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 34 | 34 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 3.12 |  |  | No |  | $0.00 | $11458.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19719099 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5710.16 | $14503.56 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13386.40 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 38.596% | 38.596% | 38.596% | XXX | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $5710.16 |  | 6.290% | $12500.00 | 1.0 | LP / LPA |  | Accept/Eligible | N/A | No | XXXX | 1 | 1 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 33.560% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 21.21 |  |  | No |  | $0.00 | $8393.84 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19448893 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2488.01 | $6641.58 |  | XXX | XXXX | XXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26377.95 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 20.866% | 20.866% | 20.866% | XXX | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $2488.01 |  | 6.290% | $0.00 | 1.1 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13228580 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9084.65 | $13475.19 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16743.28 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 44.923% | 44.923% | 44.923% | XXX | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $9084.65 |  | 6.240% | $0.00 | 3.4 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14515917 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23268.22 | $16815.62 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14790.62 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 41.751% | 41.751% | 41.751% | XXX | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $23268.22 |  | 6.240% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.17 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10476706 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2290.00 | $10361.86 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15220.86 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 30.556% | 30.556% | 30.556% | XXX | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $2290.00 |  | 6.240% | $0.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 3.24 |  |  | No |  | $0.00 | $8387.49 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16058301 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8652.08 | $3150.71 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11028.56 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.863% | 45.863% | 45.863% | XXX | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $8652.08 |  | 6.240% | $18000.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 47.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 48.7 |  | Yes | No |  | $0.00 | $9800.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18578111 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.77 | $9016.58 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18576.10 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 47.031% | 47.031% | 47.031% | XXX | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6194.77 |  | 6.240% | $0.00 | 3.5 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 46.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.88 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15038881 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6189.88 | $12397.73 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30498.74 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 47.636% | 47.636% | 47.636% | XXX | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6189.88 |  | 6.240% | $0.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.98 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11504891 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8189.68 | $17356.67 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $51143.35 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 32.865% | 32.865% | 32.865% | XXX | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $8189.68 |  | 6.240% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 26.8 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19408441 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2435.00 | $5996.22 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $59747.15 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 17.164% | 17.164% | 17.164% | XXX | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $2435.00 |  | 6.240% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.77 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15363734 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6360.16 | $10372.69 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $38627.51 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 25.835% | 25.835% | 25.835% | XXX | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6360.16 |  | 6.240% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 8.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16720765 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9896.05 | $9834.00 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20666.24 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 44.383% | 44.383% | 44.383% | XXX | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $9896.05 |  | 6.240% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 12.36 |  | No | No |  | $0.00 | $13649.97 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14583391 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6944.44 | $9860.55 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15069.25 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 38.621% | 38.621% | 38.621% | XXX | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6944.44 |  | 6.240% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 4.98 |  |  | No |  | $0.00 | $11911.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16667684 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7129.25 | $11084.75 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14582.09 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 43.915% | 43.915% | 43.915% | XXX | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $7129.25 |  | 6.240% | $0.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 11.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13757092 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2420.00 | $6448.77 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $35221.41 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 24.921% | 24.921% | 24.921% | XXX | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $2420.00 |  | 6.240% | $0.00 | 1.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 3.08 |  | No | No |  | $0.00 | $26079.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12510958 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21195.00 | $21334.65 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28881.04 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 29.112% | 29.112% | 29.112% | XXX | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $21195.00 |  | 6.240% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.34 |  |  | No |  | $0.00 | $18718.27 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17488343 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12359.66 | $15179.05 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12403.18 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 43.111% | 43.111% | 43.111% | XXX | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $12359.66 |  | 6.240% | $0.00 | 2.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.14 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19002916 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6989.10 | $12946.53 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16247.38 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 29.252% | 29.252% | 29.252% | XXX | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6989.10 |  | 6.240% | $0.00 | 1.6 | DU |  | ApproveEligible | Yes | No | XXXX | 1 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 34.620% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 24.37 |  | No | No |  | $0.00 | $14166.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13384648 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $999.00 | $7262.03 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33322.61 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 21.139% | 21.139% | 21.139% | XXX | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $999.00 |  | 6.240% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 28.220% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 12.96 |  |  | No |  | $0.00 | $18000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15389689 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1195.00 | $20229.08 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22639.70 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 24.124% | 24.124% | 24.124% | XXX | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $1195.00 |  | 6.240% | $0.00 | 1.8 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.94 |  |  | No |  | $0.00 | $13986.27 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19069511 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2765.84 | $5538.52 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7837.66 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 47.162% | 47.162% | 47.162% | XXX | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $2765.84 |  | 6.240% | $0.00 | 3.9 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.69 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18198327 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5005.10 | $9938.43 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24762.93 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 31.785% | 31.785% | 31.785% | XXX | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $5005.10 |  | 6.290% | $0.00 | 3.0 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17639064 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $52023.20 | $41041.22 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9424.91 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 49.249% | 49.249% | 49.249% | XXX | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $14195.00 |  | 6.170% | $47000.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 23.910% | No |  | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 6.13 |  | No | No |  | $0.00 | $3948.96 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12257819 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6749.31 | $12324.67 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12316.97 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 48.088% | 48.088% | 48.088% | XXX | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6749.31 |  | 6.160% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.77 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11297862 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9201.16 | $10292.83 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7953.41 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 36.373% | 36.373% | 36.373% | XXX | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $9201.16 |  | 6.770% | $10000.00 | 3.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 45.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.05 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11270914 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3194.00 | $13960.82 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $58901.08 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 17.261% | 17.261% | 17.261% | XXX | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $3194.00 |  | 6.160% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.95 |  |  | No |  | $60128.25 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10262782 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7694.52 | $14169.31 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21963.54 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 36.057% | 36.057% | 36.057% | XXX | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $7694.52 |  | 6.310% | $0.00 | 1.8 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 9 | 21 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 3.81 |  |  | No |  | $0.00 | $18383.73 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12242243 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6623.10 | $9075.35 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27747.90 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 25.169% | 25.169% | 25.169% | XXX | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6623.10 |  | 6.160% | $0.00 | 4.5 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.13 |  |  | No |  | $0.00 | $15830.84 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13735397 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16195.00 | $21546.57 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $105539.61 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 23.559% | 23.559% | 23.559% | XXX | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $16195.00 |  | 6.160% | $0.00 | 4.2 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.52 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 13 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18782268 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9430.00 | $13952.93 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33961.93 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 32.374% | 32.374% | 32.374% | XXX | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $9430.00 |  | 6.170% | $0.00 | 2.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.32 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12370488 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6136.22 | $16555.57 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17432.14 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 44.516% | 44.516% | 44.516% | XXX | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6136.22 |  | 6.160% | $0.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 84.040% | No | 14 | 16 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 105.06 |  | Yes | No |  | $0.00 | $13501.83 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17389101 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11245.60 | $25018.98 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $48495.42 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 29.716% | 29.716% | 29.716% | XXX | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $11245.60 |  | 6.170% | $0.00 | 4.4 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12341635 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6194.90 | $11511.30 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | India |  |  |  | $9836.98 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 43.789% | 43.789% | 43.789% | XXX | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6194.90 |  | 6.170% | $0.00 | 2.0 | DU |  | ApproveEligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 37.690% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 27.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10915307 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.78 | $8009.23 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29538.18 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 31.618% | 31.618% | 31.618% | XXX | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | United Shore (UWM) | $6194.78 |  | 6.230% | $0.00 | 3.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16725149 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $497.91 | $3882.83 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11453.02 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.026% | 45.026% | 45.026% | XXX | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $497.91 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14567305 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1695.00 | $9891.32 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $58962.20 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 42.711% | 42.711% | 42.711% | XXX | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | MaxEx | $1695.00 |  | 6.880% | $0.00 | 2.8 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 4 | 2 |  |  | 7.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.83 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10315553 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14673.30 | $48615.47 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19862.81 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 47.148% | 47.148% | 47.148% | XXX | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $14673.30 |  | 6.750% | $38550.00 | 2.2 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 36.410% | No | 31 | 13 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 41.88 |  | Yes | No |  | $0.00 | $15833.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14675329 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1250.00 | $3213.36 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22534.54 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 23.511% | 23.511% | 23.511% | XXX | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $1250.00 |  | 6.750% | $12000.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 2 | 0 | 2 | 2 |  |  | 7.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 56.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.79 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16084936 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13590.63 | $18335.94 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11489.15 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 42.815% | 42.815% | 42.815% | XXX | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $13590.63 |  | 6.630% | $0.00 | 3.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 48.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.11 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18350307 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10139.04 | $12975.31 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13964.85 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 32.954% | 32.954% | 32.954% | XXX | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $10139.04 |  | 6.610% | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 32.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.22 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11643079 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $271.70 |  |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $21417.93 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 39.500% | 39.500% | 39.500% | XXX | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $271.70 |  | 6.610% | $0.00 | 4.8 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 57.170% | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 17.75 |  | Yes | No |  | $0.00 | $22041.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15464769 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1890.00 | $3091.75 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8780.00 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 38.946% | 38.946% | 38.946% | XXX | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $1890.00 |  | 6.610% | $0.00 | 1.4 | DU |  | ApproveEligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 36.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 21.7 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14102806 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3840.00 | $5397.99 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9164.53 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 34.899% | 34.899% | 34.899% | XXX | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $3840.00 |  | 6.570% | $15000.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 100.000% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 223.08 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13381506 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5853.95 |  |  | XXX | XXXX | XXX | XXXX | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16547.54 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 39.827% | 39.827% | 39.827% | XXX | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $5853.95 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 3 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 32.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.82 |  | No | No |  | $0.00 | $27500.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 14141807 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6076.15 |  |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23734.21 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 32.962% | 32.962% | 32.962% | XXX | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $6076.15 |  | 6.570% | $0.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 233.91 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10190572 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $301.86 | $219.00 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $38353.55 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 29.115% | 29.115% | 29.115% | XXX | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $301.86 |  | 6.570% | $250000.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  | No Interest No Payment Loan | No |  | Not Stated |  |  |  | XXXX | XXXX | 39.990% | No |  | 29 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 7.14 |  |  | No |  | $0.00 | $19003.73 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15081272 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1450.00 | $4206.30 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | India | India |  |  | $24857.19 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 42.477% | 42.477% | 42.477% | XXX | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $1450.00 |  | 6.570% | $0.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | Employment Authorization |  |  | No | 11.96 |  | No | No |  | $21170.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15787538 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $31632.38 | $36725.83 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13424.76 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.363% | 45.363% | 45.363% | XXX | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $31632.38 |  | 6.540% | $50000.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 41.560% | No | 32 | 4 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 34.13 |  |  | No |  | $0.00 | $14166.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19182320 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15527.48 | $15212.73 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21461.57 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 33.267% | 33.267% | 33.267% | XXX | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $15527.48 |  | 6.540% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 35.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12229540 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2040.00 | $6687.52 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $64549.05 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 23.340% | 23.340% | 23.340% | XXX | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $2040.00 |  | 6.310% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 33 | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 126.67 |  | No | No |  | $0.00 | $58333.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13951809 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20368.00 | $21085.40 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11523.48 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 38.677% | 38.677% | 38.677% | XXX | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | MaxEx | $20368.00 |  | 6.320% | $0.00 | 4.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.41 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17787337 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1890.00 | $4464.60 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21994.05 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 24.997% | 24.997% | 24.997% | XXX | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1890.00 |  | 6.750% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | N/A | No | XXXX | 3 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 46.240% | No | 31 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 39.19 |  |  | No |  | $0.00 | $10450.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17619487 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1590.00 | $2093.75 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2578.38 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 45.349% | 45.349% | 45.349% | XXX | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1590.00 |  | 6.750% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.97 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17076721 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2590.00 | $9238.00 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9188.44 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 49.839% | 49.839% | 49.839% | XXX | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $2590.00 |  | 6.610% | $0.00 | 2.6 | DU |  | ApproveEligible | No | No | XXXX | 0 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 23.990% | No | 7 | 7 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 5.15 |  |  | No |  | $0.00 | $4451.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16301086 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1890.00 | $3261.25 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18301.02 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 44.491% | 44.491% | 44.491% | XXX | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1890.00 |  | 6.750% | $20.00 | 3.7 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 3 |  | 2 | 0 | 3 | 0 |  |  | 17.97 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 30.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.19 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 15611103 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $15154.68 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12626.03 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 46.838% | 46.838% | 46.838% | XXX | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1590.00 |  | 6.540% | $30907.76 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 30.560% | No | 22 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.03 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12876214 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10466.80 | $39139.28 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19247.73 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 38.726% | 38.726% | 38.726% | XXX | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $10466.80 |  | 6.320% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX | 1 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 32.010% | No | 15 | 30 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 14.47 |  | Yes | No |  | $0.00 | $10162.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16781969 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8954.96 | $19848.38 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28410.99 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 27.538% | 27.538% | 27.538% | XXX | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $8954.96 |  | 6.220% | $0.00 | 1.8 | DU |  | ApproveEligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 85.270% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 99.6 |  | No | No |  | $0.00 | $13175.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 11538955 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1690.00 | $14589.44 |  | XXX | XXXX | XXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14627.66 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 46.262% | 46.262% | 46.262% | XXX | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1690.00 |  | 6.630% | $0.00 | 1.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 44.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.68 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 16299726 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6007.89 | $8582.43 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4578.02 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 27.627% | 27.627% | 27.627% | XXX | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $6007.89 |  | 6.750% | $10022.33 | 1.0 | DU |  | ApproveEligible | No | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 46.520% | No | 31 | 2 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 45.91 |  |  | No |  | $0.00 | $3002.59 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18036632 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9035.96 | $9878.96 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25825.14 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 49.992% | 49.992% | 49.992% | XXX | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $9035.96 |  | 6.540% | $0.00 | 5.0 | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 2 | 0 | 3 | 2 |  |  | 17.97 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.09 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12687689 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $2192.38 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28315.95 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 41.035% | 41.035% | 41.035% | XXX | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - Year Not Available<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1790.00 |  | 6.570% | $0.00 | 2.0 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 7 | 7 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 29.39 |  |  | No |  | $0.00 | $12689.95 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10180563 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17700.00 | $39627.14 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26124.94 | 2 | XXX | XXX | XXX | XXX |  |  |  |  |  | 48.606% | 48.606% | 48.606% | XXX | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $17700.00 |  | 6.320% | $93000.00 |  | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 26.270% | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.29 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [redacted] | [redacted] | [redacted] | [redacted] | 19318661 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10710.94 | $11398.20 |  | XXX | XXXX | XXX | XXXX | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10263.81 | 2 | XXX | XXX | XXX | XXX |  |  |  |  |  | 46.597% | 46.597% | 46.597% | XXX | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $10710.94 |  | 6.750% | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | XXXX | 0 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.17 |  |  | No |  | $0.00 | $15302.62 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 17301872 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4652.50 | $23296.65 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18812.92 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 33.455% | 33.455% | 33.455% | XXX | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $4652.50 |  | 6.610% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10604595 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3195.00 | $8056.24 |  | XXX | XXXX | XXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17396.11 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 48.880% | 48.880% | 48.880% | XXX | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $3195.00 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 27.130% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.56 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18122922 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $8859.82 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22389.65 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 42.550% | 42.550% | 42.550% | XXX | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1590.00 |  | 6.310% | $0.00 | 2.4 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 55.710% | No | 33 | 33 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 46.94 |  | Yes | No |  | $0.00 | $23151.17 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 18448812 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $9713.33 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $15156.51 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 49.284% | 49.284% | 49.284% | XXX | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1790.00 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 29.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card |  |  |  |  | 9.8 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10225872 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $895.00 | $14146.47 |  | XXX | XXXX | XXX | XXXX | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $45731.63 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 48.882% | 48.882% | 48.882% | XXX | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $895.00 |  | 6.220% | $0.00 | 4.7 | LP / LPA |  | Accept/Ineligible | No | No | XXXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | XXXX | XXXX | 38.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 53.21 |  | No | No |  | $80000.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 12239195 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11855.27 | $17636.75 |  | XXX | XXXX | XXX | XXXX | No | Yes | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16799.39 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 48.012% | 48.012% | 48.012% | XXX | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $11855.27 |  | 6.220% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 6 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 31.86 |  | No | No |  | $4334.30 | $13213.74 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [redacted] | [redacted] | [redacted] | [redacted] | 10506118 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1890.00 | $20619.15 |  | XXX | XXXX | XXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15581.35 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 49.007% | 49.007% | 49.007% | XXX | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $1890.00 |  | 6.540% | $0.00 | 1.1 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 30 | 13 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 28.29 |  |  | No |  | $0.00 | $16975.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 13578247 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19735.60 | $24932.80 |  | XXX | XXXX | XXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $158100.08 | 1 | XXX | XXX | XXX | XXX |  |  |  |  |  | 9.910% | 9.910% | 9.910% | XXX | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $19735.60 |  | 6.290% | $0.00 | 2.1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.84 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |

---

## Exhibit 99.1

![](situs_logo.jpg)

#### Data Compare Summary (Total)

#### Run Date - 12/22/2025 2:07:37 PM

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Street | 0 | 219 | 0.00% | 219 |
| City | 0 | 219 | 0.00% | 219 |
| State | 0 | 219 | 0.00% | 219 |
| Zip | 0 | 219 | 0.00% | 219 |
| Borrower First Name | 0 | 219 | 0.00% | 219 |
| Borrower Last Name | 0 | 219 | 0.00% | 219 |
| Borrower SSN | 0 | 219 | 0.00% | 219 |
| Original Loan Amount | 0 | 219 | 0.00% | 219 |
| Original Interest Rate | 0 | 219 | 0.00% | 219 |
| Representative FICO | 0 | 219 | 0.00% | 219 |
| Property Type | 0 | 219 | 0.00% | 219 |
| Occupancy | 0 | 219 | 0.00% | 219 |
| Purpose | 0 | 219 | 0.00% | 219 |
| Balloon Flag | 0 | 219 | 0.00% | 219 |
| Original CLTV | 0 | 219 | 0.00% | 219 |
| Original LTV | 0 | 219 | 0.00% | 219 |
| Lender | 0 | 219 | 0.00% | 219 |
| Product Description | 0 | 219 | 0.00% | 219 |
| Originator Loan Designation | 0 | 219 | 0.00% | 219 |
| Investor: Qualifying Total Debt Ratio | 0 | 219 | 0.00% | 219 |
| Refi Purpose | 0 | 9 | 0.00% | 219 |
| PITIA Reserves Months | 0 | 111 | 0.00% | 219 |
| **Total** | **0** | **4500** | **0.00%** | **219** |

---

## Exhibit 99.2

![](opus_logo.jpg)

## GSMBS 2026-PJ1
Opus Capital Markets Consultants, LLC<br> Executive Narrative<br>

Opus Capital Markets Consultants, LLC

300 Tri-State International \| Suite 320

Lincolnshire, IL 60069<br> 224.632.1300 \| www.opuscmc.com

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#### Executive Narrative

#### December 22, 2025

#### Performed by

#### Opus Capital Markets Consultants, LLC

#### For

#### Goldman Sachs Mortgage Company

This report summarizes the results of a due diligence review performed on (39) loans provided by Goldman Sachs Mortgage Company (Customer) who provided Opus Captial Markets Consultants, LLC (Consultant) with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed compliance and credit review on the loans.

As detailed herein, the pool contains thirty-nine (39) credit and compliance loans identified as QM: Safe Harbor APOR (APOR SH). There are three (3) loans eligible for GSE delivery and was underwritten to the AUS provided in the loan file. Thirty-six (36) loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

#### EXHIBIT A
<br> 1. Credit Qualification

A re-underwriting review was conducted in order to verify that the requisite underwriting guidelines as specified by Client were met. Confirmation of the loan terms was performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review consisted of the following:

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| | |
|:---|:---|
| **1.1** | **Guidelines** |

---

Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

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| | |
|:---|:---|
| **1.2** | **Employment** |

---

Review the file documentation for minimum required level of opus employment, income and asset verifications pursuant to Client provided underwriting guidelines.

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| | |
|:---|:---|
| **1.3** | **Income** |

---

Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

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| | |
|:---|:---|
| **1.4** | **Assets** |

---

Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

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| | |
|:---|:---|
| **1.5** | **Debt Ratio** |

---

Recalculate the debt to income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

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| | |
|:---|:---|
| **1.6** | **Property Valuation** |

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Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

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| | |
|:---|:---|
| **1.7** | **Loan-to-Value Ratio** |

---

Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

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| | |
|:---|:---|
| **1.8** | **Credit History** |

---

Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

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| | |
|:---|:---|
| **1.9** | **Credit Scores** |

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Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines

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| | |
|:---|:---|
| **1.10** | **Compensating Factors** |

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Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

<br> 2. Document Review

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

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| | |
|:---|:---|
| **2.1** | **Collateral Docs** |

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<br> 2.1.1 Title Commitment / Policy

Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

<br> 2.1.2 Mortgage Note / Security Instrument

Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

<br> 2.1.3 Mortgage / Deed of Trust

Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

<br> 2.1.4 Conveyance Deed

Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

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| | |
|:---|:---|
| **2.2** | **Closing Docs** |

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<br> 2.2.1 Final Hud-1 Settlement Statement

If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

<br> 2.2.2 Final Truth-in-Lending Disclosure

If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

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<br> 2.2.3 Notice of Right to Cancel

If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2.4 If required verify the presence of the current Loan Estimate (LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2.5 If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

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| | |
|:---|:---|
| **2.3** | **Credit Docs** |

---

<br> 2.3.1 Loan Application

Verify the presence and completeness of both the initial and final loan applications.

<br> 2.3.2 Underwriting Worksheet

Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

<br> 2.3.3 Credit Report

Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

<br> 2.3.4 Housing Payment History

In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

<br> 2.3.5 Letters of Explanation

When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

<br> 2.3.6 Gift Letters

When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

<br> 2.3.7 Income Documentation

Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

<br> 2.3.8 Asset Documentation

Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

<br> 2.3.9 Property Valuation Tools

Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

<br> 2.3.10 Proof of Insurance

Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

<br> 3. Regulatory Compliance

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as

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implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending.

The regulatory compliance review will be conducted in line with the most recently dated Structured Finance Industry Group (SFIG) RMBS TRID Compliance Review Scope with an effective date of October 2018.

---

| | |
|:---|:---|
| **3.1** | **Third Party Fees** |

---

If a third party charge appears to be unreasonable based upon the reviewer's experience, the fee will be considered unreasonable for purposes of tolerance testing and finance charge calculation (as applicable).

---

| | |
|:---|:---|
| **3.2** | **Federal Truth in Lending Act/Regulation Z:** |

---

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s). Further, a review of proper rescission model form usage will be conducted in accordance with Circuit Court ruling methodology related to use of the H8 vs. H9 forms on same lender rescindable transactions. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Opus will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

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| | |
|:---|:---|
| **3.3** | **Business Days as Defined by Regulation Z:** |

---

General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

---

| | |
|:---|:---|
| **3.4** | **MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):** |

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<br> 3.4.1 Initial Delivery: Creditor must deliver the Initial Disclosures within 3 "general" business days of application

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<br> 3.4.2 No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving the Initial Disclosures

<br> 3.4.3 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific" business days prior to closing

<br> 3.4.4 3 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate. Closing may not occur until the 3rd "specific" business day after the consumer receives the corrected disclosures.

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| | |
|:---|:---|
| 3.4.5 | APR on Final TIL: APR on Final TIL must be within tolerance 1/8 or ¼ of percent difference in APR based on regular or irregular payment stream. |

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| | |
|:---|:---|
| **3.5** | **Home Ownership Equity Protection Act (HOEPA) testing, to include:** |

---

<br> 3.5.1 APR test [HOEPA (§1026.32(a)(1))] and [HPML(§1026.35(a)(1))]

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| | |
|:---|:---|
| 3.5.1.1 | If missing initial application, missing initial application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a six-month window prior to closing date for missing application date; and (2) all dates between application and closing for missing rate set date. A condition should be set to identify that the application date or rate lock date is missing and that alternative (look-back) testing was utilized. Other evidence in the file (e.g. date of initial disclosures, rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined by the Client on a case by case basis. |

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<br> 3.5.2 Points and Fees test [HOEPA (§1026.32(a)(2))]

<br> 3.5.3 Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

<br> 3.5.4 Review and confirm documentation type (i.e. full, stated, no ratio)

<br> 3.5.5 Review for evidence of prepayment penalty

<br> 3.5.6 Verification of Debt to Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Consultant system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement to be verified for all covered loans.

---

| | |
|:---|:---|
| **3.6** | **RESPA/Regulation X (Loans with an Application Date prior to 10/03/2015):**  |

---

Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:

<br> 3.6.1 Good Faith Estimate (GFE):

<br> 3.6.2 Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

<br> 3.6.3 Confirm the presence of the current GFE form in effect at the time of origination.

<br> 3.6.4 Verify the GFE was provided to the borrower(s) within three days of "Application".

<br> 3.6.5 Application shall be defined by Regulation X and generally be considered complete when the following seven conditions are met:

<br> 3.6.5.1 Borrower(s) First and Last Name

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<br> 3.6.5.2 Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)

<br> 3.6.5.3 Subject Property Address (including "To Be Determined")

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| | |
|:---|:---|
| 3.6.5.4 | Mortgage Loan Amount Sought |

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<br> 3.6.5.5 Estimation of Property Value

<br> 3.6.5.6 Monthly Income

<br> 3.6.5.7 Any other requirement as defined in the lender's policies and procedures

<br> 3.6.6 Consultant will verify that all Broker fees, including Yield Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

<br> 3.6.7 Fees will be reviewed to ensure they are reasonable and customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location on the document.

<br> 3.6.8 Analysis to determine whether a Changed Circumstance form is required to accompany each revised Good Faith Estimate (GFE)

<br> 3.6.9 Change of Circumstance Definition:

<br> 3.6.9.1 Acts of God, war, disaster or other emergency;

<br> 3.6.9.2 Information particular to borrower or transaction that was relied on in providing the GFE and that changes or is found to be inaccurate after GFE has been provided to borrower;

<br> 3.6.9.3 New information particular to the borrower or transaction that was not relied on in providing the GFE; or

<br> 3.6.9.4 Other circumstances that are particular to borrower or transaction, including boundary disputes, need for flood insurance or environmental problems

<br> 3.6.9.5 In the event any of the above occurs, the loan originator is required to provide a new revised GFE to the borrower within 3 business days of receiving information sufficient to establish "changed circumstances" and document the reason the revised GFE was provided.

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| | |
|:---|:---|
| 3.6.9.6 | Rate Locks: If the rate has not been locked by the borrower or a locked rate has expired, the charge or credit for rate chosen, adjusted origination charges, per diem interest and loan terms related to the rate may change. If borrower later locks the rate, a new GFE must be provided showing the revised rate-dependent charges and terms. All other charges and terms must remain the same as on the original GFE, except as otherwise provided above for "changed circumstances." |

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<br> 3.6.10 Final HUD-1: Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

<br> 3.6.10.1 Confirm the presence of the current applicable Final HUD-1 form

<br> 3.6.10.2 Confirm the Final HUD-1 accurately lists all broker and YSP fees.

<br> 3.6.11 Good Faith Estimate (GFE) and Final HUD-1 Analysis: Confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

<br> 3.6.11.1 Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

<br> 3.6.11.1.1 Origination Charge

<br> 3.6.11.1.2 Credit or Charge for Interest Rate Chosen

<br> 3.6.11.1.3 Adjusted Origination Charge

<br> 3.6.11.1.4 Transfer Taxes

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| | |
|:---|:---|
| 3.6.11.2 | Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services: |

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<br> 3.6.11.2.1 Lender-required settlement services (lender selects third-party provider);

<br> 3.6.11.2.2 Lender-required services, title services and required title insurance, and owner's title insurance, when the borrower uses a settlement service provider identified by the loan originator; and

<br> 3.6.11.2.3 Government recording charges

<br> 3.6.12 Analysis to confirm all fees are accurately reflected in the correct tolerance category on the Good Faith Estimate (GFE) and Final HUD-1

<br> 3.6.13 Analysis to confirm lender accurately provided borrower adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to

<br> 3.6.14 Analysis to confirm loan terms are accurately disclosed between the Good Faith Estimate (GFE) and Final HUD-1

<br> 3.6.15 Analysis to confirm page 3 of the HUD-1 accurately reflects fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1

**QM / ATR (QUALIFIED MORTGAGE / ABILITY TO REPAY) DODD FRANK REVIEW (LOANS WITH APPLICATION DATE ON OR AFTER 01/10/2014) Covers Legacy QM Rules (applications on or after 01/10/2014) – elective compliance date of Revised QM Rules (applications on or after 3/1/2021) and mandatory of Revised QM Rules (applications on or after 10/1/2022)**

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| | |
|:---|:---|
| **3.7** | **QM / ATR (Qualified Mortgage / Ability to Repay)** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1 Ability to Repay

• Consultant will incorporate checkpoints for the ATR's eight verification steps for any origination QC work. Consultant has the option to run ATR checks on any transactions subject to QM that falls outside the ability to meet QM guidelines, whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the ability to be screened for ATR if the QM testing fails or the loan is exempt from QM

• Consultant is required to verify all information within the scope of the eight verification steps before an ATR loan can pass. These eight tests include verifications of any amounts used in the loan consideration and a page(s) reference to the third-party records/documentation/images

<br> o Income and Assets

<br> o Current Employment Status

<br> o Monthly qualifying payments for the proposed loan

<br> o Monthly payment on any simultaneous loans

<br> o Monthly payment for mortgage related obligations for the proposed loans

<br> o Debts, alimony and child support

<br> o Qualifying monthly DTI and/or residual income

<br> o Credit History

• If all of the verifications are made and each of the eight topic areas is confirmed to agree with the representations made by the lender, and there are no credit exceptions to the lender's guidelines, the loan will pass the ATR test. If any of the conditions fail or the loan lacks the documentation to support the stated values in any of the areas, affected items will not be considered verified and the loan will be subject to failing the ATR test.

<br> • ATR results will be reported as ATR-Pass. ATR-Fail and ATR-Exempt. This is in addition to existing credit and compliance related reporting by the Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.2 <u>Qualified Mortgage</u>**

Consultant's scope includes review of all available QM types:

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<br> • Legacy QM (for applications taken on or after January 10, 2014 until September 30, 2022);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Revised QM (for applications taken on or after March 1, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Agency QM (for applications taken on or after January 10, 2014 until June 30, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Agency QM with APOR (for applications taken on or after July 1, 2021); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Government QM (for applications taken on or after January 10, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.3 <u>Generally Applicable Factor</u>**

The following factors are reviewed for Legacy, Revised and Agency QM categories:

• **REGULAR PAYMENTS**. Provides for regular periodic payments that are substantially equal, except for the effect of certain interest rate changes for adjustable or step rates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **TERM**. Loan term does not exceed 30 years.

• **POINTS AND FEES.** Points and fees do not exceed the applicable threshold for the appropriate loan amount.

<u>QM Rules Points and Fees Testing.</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) Points and fees include:

<br> o Finance charges, unless excluded;

<br> o The portion of upfront private mortgage insurance that exceeds FHA premiums;

<br> o Loan originator compensation – Compensation/YSP known at the time of the consummation will be included but Consultant does not review lender or broker compensation programs as part of its QM testing;

<br> o Real estate-related fees if the creditor receives direct or indirect compensation in connection with the fee or charge, the fee or charge is paid to a creditor affiliate or the fee or charge is not reasonable;

<br> o Premiums for credit insurance, credit property insurance, and other insurances where the creditor is the beneficiary, debt cancellation or suspension coverage payments;

<br> o Maximum prepayment penalty; and

<br> o Prepayment penalty paid in a refinance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) Points and fees exclude:

<br> o Interest;

<br> o Bona fide third-party charges not retained by the creditor;

<br> o Government mortgage insurance premiums;

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | Private mortgage insurance premiums up to an amount equal to government insurance premiums; |

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | Up to two bona fide discount points if the interest before the discount does not exceed APOR by 1% based on a calculation that is consistent with established industry practices for determining the amount of reduction in the interest rate or time-price differential appropriate for the amount of discount points paid by the consumer; if no discount points excluded up to one bona fide discount point if the loan's interest rate before the discount does not exceed APOR 2%; and |

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<br> o Sellers points

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(C) A loan is a QM loan if the points and fees do not exceed (values marked with "\*" are indexed for inflation):

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | 3 percent of the total loan amount for a loan greater than or equal to $100,000;\* |

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | $3,000\* for a loan greater than or equal to $60,000\* but less than $100,000;\* |

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | 5 percent of the total loan amount for a loan greater than or equal to $20,000\* but less than $60,000;\* |

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | $1,000\* for a loan greater than or equal to $12,500\* but less than $20,000;\* |

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|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | 8 percent of the total loan amount for a loan less than $12,500\* |

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| | |
|:---|:---|
| **3.7.4** | **Legacy QM** |

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In addition to the Generally Applicable Factors above, all Legacy QM loans must meet the following:

• **Monthly Payment.** The amount of the monthly payment on the loan is calculated using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage obligations.

• **Appendix Q.** Considers and verifies income, assets, employment, and debts in accordance with Appendix Q.

• **DTI.** The DTI ratio of total monthly debt to total monthly income does not exceed 43 percent.

**Verified**. Only verified amounts will be included in the QM debt-to-income test - verified income and assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support and open debts. The calculated value will be the verified debts divided by the verified income represented as a ratio, with amounts less than or equal to 43.00% passing, and anything above 43.00% failing. Failing this test also results in returning an overall QM status of Fail.

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| | |
|:---|:---|
| **3.7.5** | **Revised QM** |

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In addition to the Generally Applicable Factors above, all Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.5.1 Monthly Payment.**

The amount of the monthly payment on the loan is calculated using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.5.2 Consider and Verify.**

The creditor considers and verifies the consumer's current or expected income and assets and debt and his DTI or residual income

• As part of the "consider" requirement, Consultant will review the (i) creditor's policies and procedures provided by Client, as well as any exceptions thereto, for how the creditor takes into account the underwriting factors enumerated above, and (ii) the documentation retained by creditor, such as an underwriting worksheet or a final automated underwriting system certification, showing how the creditor took these factors into account in its ability-to-repay determination.

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• **Consider and Verify Safe Harbor.** Creditor is deemed to have complied with this "verify" requirement if it complies with the verification standards in one or more of these following agency manuals:

<br> - Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

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

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

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

- 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

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

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | For purposes of compliance with verified safe harbor, a creditor must comply with only those provisions in the manuals that require creditors to verify income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations, alimony, and child support, |

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<br> • Revised versions of manuals. A creditor also complies with the verified safe harbor where is complies with revised versions of the manuals listed above provided that the two versions are "substantially similar".

• The Revised QM Rule permits the creditor to "mix and match" verification standards from different agency manuals. Consultant will test the creditor's "verification" of third- party records in instances when the creditor either uses (i) its own procedures or alternatively, (ii) the verification standards of one or more of the agency handbooks listed above.

• Note: the creditor (or client, as the case may be,) must provide written policies and procedures and related documentation such as underwriter worksheets in order for Consultant to review loans under the Revised QM Rules, and in particular, with regard to the "consider" and "verify" requirements. Further, if the creditor (or client, as the case may be) intends to use the verification safe harbor, its written policies and procedures must specify the precise agency handbook(s) that it is relying on with specific references to the particular provisions addressing income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations, alimony, and child support – as well as the specific dates(s) of the agency handbook(s) issuance, publication or revision. In addition, Consultant is not responsible for determining whether revised versions of the manuals listed above are "substantially similar" for purposes of the verification safe harbor; such a determination of the sole responsibility of the creditor (or client, as the case may be).

• Note: due to the inherent subjectivity of the foregoing "consider" and "verify" requirements, Consultant will review the creditor's (or client's, as the case may be) (i) policies and procedures and worksheets and (ii) methods and criteria for verification of income and assets (regardless of whether the "safe harbor" is utilized) for content only, and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves comply with applicable

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<br>law, and cannot guarantee that a court, governmental regulator, rating agency or another third party diligence provider would reach the same conclusions using such work product.

• APOR. The APR on the loan does not exceed the threshold for the loan amount (values marked with "\*" are indexed for inflation):

For a first-lien loan with a loan amount greater than or equal to $110,260,\* 2.25% or more percentage points;<br>

For a first-lien loan with a loan amount greater than or equal to $66,156\* but less than $110,260\*, 3.5% or more;<br>

For a first lien loan with a loan amount less than $66,156,\* 6.5 or more percentage points;<br>

For a subordinate-lien loan with a loan amount great than or equal to $66,156\*, 3.5 or more percentage points; and<br>

For a subordinate-lien loan with a loan amount less than $66,156\*, 6.5 or more percentage points.<br>

Short Term ARMs. The APR used on short term ARMs of five years or less uses the maximum rate in the first five years for the entire term of the loan.

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| | |
|:---|:---|
| **3.7.6** | **Agency QM/ Temporary Qualified Mortgage (TQM) covered by the GSE Patch** |

---

In addition to the Generally Applicable Factors above, all Agency QM loans must be eligible for sale to Fannie Mae or Freddie Mac. The selling guides for the agencies include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disposable Income

#### Agency QM with APOR/ General Qualified Mortgage (QM) testing

Meets the test for "Agency QM" and the APOR test applicable for Revised QM.

#### Government QM/ General Qualified Mortgage (QM) testing

A Government QM is defined as a qualified mortgage by the U.S. Department of Housing and Urban Development under 24 CFR 201.7 and 24 CFR 203.19, the U.S. Department of Veterans Affairs under 38 CFR 36.4300 and 38 CFR 36.4500, or the U.S. Department of Agriculture under 7 CFR 3555.109. The guidelines include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disposable Income

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|:---|:---|
| **3.7.7**  | **Safe Harbor for Revised QM Rules** |

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For first-lien transactions, a loan receives a conclusive presumption that the consumer had the ability to repay (and hence receives the "safe harbor" presumption of QM compliance) if the APR does not exceed the APOR for a comparable transaction by 1.5 percentage points or more as of the date the interest rate is set. A first-lien loan receives a "rebuttable presumption" that the consumer had the ability to repay if the APR exceeds the APOR for a comparable transaction by 1.5 percentage points or more but by less than 2.25 percentage points. There are higher thresholds for loans with smaller loan amounts, for subordinate-lien transactions, and for certain manufactured housing loans—all of which will be tested by Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8 QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)

For QM/TQM testing, the results of the debt-to-income test (QM) or guideline review (TQM) and the Points and Fees test will result in the following available compliance conditions as requested by the rating agencies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• QM/TQM-ATR Pass / Non-HPML [QM or TQM – Pass / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• QM/TQM-ATR Pass / HPML &nbsp;&nbsp;&nbsp;&nbsp; [QM or TQM – Pass / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR Fail / Non-HPML &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[QM or TQM – Fail / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR Fail / HPML &nbsp;&nbsp;&nbsp;&nbsp; [QM or TQM - Fail / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NonQM / Compliant &nbsp;&nbsp;&nbsp;&nbsp; [NonQM or TQM Loan, Exempt / ATR – Compliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NonQM / Noncompliant [NonQM or TQM Loan, Exempt / ATR –Noncompliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Not Covered – / Exempt &nbsp;&nbsp;&nbsp;&nbsp; [QM or TQM – Exempt / ATR – Exempt]

For Revised QM Rules testing, the following results will be provided to establish Verified Safe Harbor designation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• VSH Confirmed [Verified Safe Harbor}

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NVSH Confirmed [Not Verified Safe Harbor]

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9 For Legacy and Revised QM Rules

• Current testing for Higher Priced Covered Transactions will be performed using one of two formulas, normal QM and FHA TQM. For QM, a loan will be considered a Higher Priced Covered Transaction if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage points on Second Liens. For FHA TQM, the formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium factor

Capitalized terms used herein, unless defined where used, shall have the meanings ascribed to such terms in the SOW. This constitutes the entire agreement and understanding between the Parties with respect to amending the SOW. Except as expressly set forth in this Amendment, the terms and conditions of the SOW are hereby ratified, confirmed and approved in their entirety and shall continue in full force and

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effect, enforceable in accordance therewith and shall govern this Amendment. This Amendment may be executed in one or more counterparts, including facsimile counterparts, each of which, when so executed, shall be deemed an original and all of which, together, shall constitute one and the same instrument.

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| | |
|:---|:---|
| **3.8** | Additional Disclosures and Requirements: |

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Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

<br> 3.8.1 Servicing Transfer Disclosure (for applications prior to 10/03/2015):

<br> 3.8.1.1 Confirm the presence of the Servicing Transfer Disclosure form in file

<br> 3.8.1.2 Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

<br> 3.8.2 Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

<br> 3.8.2.1 Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

<br> 3.8.2.2 Confirm the Home Loan Tool Kit is provided within three general business days of application

<br> 3.8.3 Affiliated Business Disclosure

<br> 3.8.3.1 Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

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| | |
|:---|:---|
| 3.8.3.2 | Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third-party services) |

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<br> 3.8.3.3 Confirm the Affiliated Business Disclosure is executed.

<br> 3.8.4 Initial Escrow Disclosure Statement

<br> 3.8.4.1 Confirm the presence of the Initial Escrow Disclosure Statement in file

<br> 3.8.4.2 Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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| | |
|:---|:---|
| **3.9** | **National Flood Insurance Program (NFIP)** |

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Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

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| | |
|:---|:---|
| **3.10** | **Homeowner's Flood Affordability Act (HFIAA)** |

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Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured

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by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016

<br> 3.10.1 Frequency – Payable with same frequency as payments designated for the loans

<br> 3.10.2 Exceptions

<br> 3.10.2.1 Loan is an extension of credit primarily for business, commercial or agricultural purposes

<br> 3.10.2.2 Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

<br> 3.10.2.3 Flood Insurance coverage for the residential real estate is provided by a policy that

<br> 3.10.2.3.1 Meets requirements

<br> 3.10.2.3.2 Provided by a condominium association, cooperative or other applicable group and

<br> 3.10.2.3.3 The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

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| | |
|:---|:---|
| **3.11** | **Equal Credit Opportunity Act (Regulation B)** |

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<br> 3.11.1 Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

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| | |
|:---|:---|
| 3.11.2 | Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)? |

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| | |
|:---|:---|
| 3.11.3 | For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation. |

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|:---|:---|
| **3.12** | **Fair Credit Report Act (Regulation V)** |

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| | |
|:---|:---|
| 3.12.1 | Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval |

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<br>decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

<br> 3.12.2 Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

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| | |
|:---|:---|
| **3.13** | **Regulatory Compliance Disclaimer** |

---

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. 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 potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant 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.

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|:---|:---|
| **3.14** | **Seasoning and Certain Compliance Exceptions** |

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Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports 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 loan.

<br> 4. High Cost - State & Local Anti-Predatory Regulations:

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable

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regulations implemented during the Term of this SOW – legal guidance documentation available for detailed discussion, if necessary:

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| | |
|:---|:---|
| **4.1** | Arkansas Home Loan Protection Act, AR. Stat. Ann. § 23-53-101 et seq. |

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|:---|:---|
| **4.2** | California Anti-Predatory Lending Statute, CA. Fin. Code § 4970 et seq. |

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|:---|:---|
| **4.3** | California Higher Priced Mortgage Loan Statute, CA. Fin Code § 4995 et seq. |

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|:---|:---|
| **4.4** | Colorado Consumer Equity Protection Act, CO. Rev. Stat. § 5-3.5-101 et seq. and as amended by Senate Bill 216 (2007) and House Bill 1322 (2007) |

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|:---|:---|
| **4.5** | Colorado Consumer Credit Code, CO. Rev. Stat. 5-1-101 et seq. |

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|:---|:---|
| **4.6** | Connecticut Abusive Home Loan Lending Practices Act, CT. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, CT. House Bill 5577 (2008). |

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|:---|:---|
| **4.7** | Connecticut Nonprime Home Loan Statute, CT. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949. |

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|:---|:---|
| **4.8** | District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. and DC Mortgage Disclosure Act of 2007. |

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|:---|:---|
| **4.9** | Florida Fair Lending Act, FL. Stat. Ann. § 494.0078 et seq. |

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|:---|:---|
| **4.10** | Georgia Fair Lending Act, GA. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53) |

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|:---|:---|
| **4.11** | Idaho Residential Mortgage Practices Act, ID. Code § 26-3101 et seq. |

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|:---|:---|
| **4.12** | Illinois High Risk Home Act, IL. Comp Stat. tit. 815, §§137/5 et seq. |

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| | |
|:---|:---|
| **4.13** | Illinois High Risk Home Loan Regulations, 38 IL. Admin. Code § 345.10 et seq. |

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| | |
|:---|:---|
| **4.14** | Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003). |

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| | |
|:---|:---|
| **4.15** | City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325. |

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|:---|:---|
| **4.16** | Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007). |

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|:---|:---|
| **4.17** | Indiana Home Loan Practices Act, IN. Code § 24-9-1-1 et seq. and as amended by 2005 In. P.L. 141 § 6 P2013-011. |

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| | |
|:---|:---|
| **4.18** | Kansas Consumer Credit Code, KS. Stat. Ann. § 16a-1-101 et seq. Sections 16a-1-301, 16a-3-207 and 16a-3-308a. |

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|:---|:---|
| **4.19** | Kentucky Anti-Predatory Lending Statute, KY. Rev. Stat. § 360.100 et seq. and as amended by KY. House Bill 552 (2008). |

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| | |
|:---|:---|
| **4.20** | Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A ME. Rev. Stat. Ann. §§ 8-101; 8-103(1); 8-206(8); 8-206A and ME. Legislative Document 1869 (2007). |

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| | |
|:---|:---|
| **4.21** | Maryland Commercial Law, MD. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by MD. Senate Bill 270 (2008) and Maryland Regulations under the MD. Mortgage Lender Law (2009). |

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|:---|:---|
| **4.22** | Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the MD. Mortgage Lender Law, MD. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; MD. Code Regs. §§ 09.03.06.01 et seq. |

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| | |
|:---|:---|
| **4.23** | Massachusetts High Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA. House Bill 4387 (2008) 20. MA. Predatory Home Loan Practices Act, M.G.L. Chapter 183(C). |

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| | |
|:---|:---|
| **4.24** | Massachusetts Regulations for Higher Priced Mortgage Loans, 209 MA. Code Regs. §§ 32.00 |

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|:---|:---|
| **4.25** | Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C. |

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|:---|:---|
| **4.26** | Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17). |

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| | |
|:---|:---|
| **4.27** | Michigan Consumer Mortgage Protection Act, MI. Stat. Ann. § 445-1631 et seq. |

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| | |
|:---|:---|
| **4.28** | Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008). |

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| | |
|:---|:---|
| **4.29** | Nebraska Mortgage Bankers Registration and Licensing Act, NE. Stat.§ 45-702 et seq. |

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| | |
|:---|:---|
| **4.30** | Nevada Anti-Predatory Lending Law, NV. Rev. Stat. § 598D.010 et seq. and as amended by AB 440 and 492. |

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|:---|:---|
| **4.31** | New Jersey Home Ownership Security Act of 2002, NJ. Stat. Ann. § C:46:10B-22 et seq. and as amended by PL. 2004, Ch. 84 § 1. |

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|:---|:---|
| **4.32** | New Mexico Home Loan Protection Act, NM. Stat. Ann. § 58-21A-1 et seq. and as amended by Senate Bill 342 (2009). |

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|:---|:---|
| **4.33** | New York High Cost Home Loan Regulations, 3 NYCCR Part 41 (2001). |

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| | |
|:---|:---|
| **4.34** | New York High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-l (2003) and 6-m (2008). |

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|:---|:---|
| **4.35** | North Carolina Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a) and as amended by House Bill 1817 (2007). |

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|:---|:---|
| **4.36** | Ohio Anti-Predatory Lending Statute, OH. Rev. Code Ann. §§ 1349.25 to 1349.37and § 1.63 and as amended by S.B. 185. |

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| | |
|:---|:---|
| **4.37** | City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003. |

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|:---|:---|
| **4.38** | Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003). |

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|:---|:---|
| **4.39** | Oklahoma Higher –Priced Mortgage Loans Law, OK. Admin. Code §§ 160:45-9-1 et seq. |

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| | |
|:---|:---|
| **4.40** | Pennsylvania Consumer Equity Protection Act, 63 PA. Cons. Stat. Ann. § 456.501 et seq. |

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| | |
|:---|:---|
| **4.41** | City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended. |

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| | |
|:---|:---|
| **4.42** | Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI. Gen. Laws. §§ 34-25.2-1 et seq., including the Emergency and Final Regulations. |

---

---

| | |
|:---|:---|
| **4.43** | South Carolina High-Cost and Consumer Home Loans Act, SC. Code § 37-23-10 et seq. |

---

---

| | |
|:---|:---|
| **4.44** | South Carolina Consumer Protection Code, SC. Code 37-1-101 et seq. |

---

---

| | |
|:---|:---|
| **4.45** | Tennessee Home Loan Protection Act, TN. Code Annotated §§ 45-20-101 et seq., Title 47 et seq. |

---

---

| | |
|:---|:---|
| **4.46** | Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq. |

---

---

| | |
|:---|:---|
| **4.47** | Texas Constitution, Section 50(a)(6), Article XVI |

---

---

| | |
|:---|:---|
| **4.48** | Utah Residential Mortgage Practices Amendments, UT. Code Ann. § 61- 2c-102 et seq. |

---

---

| | |
|:---|:---|
| **4.49** | Utah High Cost Home Loan Act, UT. Code § 61-2d-101 et seq. |

---

---

| | |
|:---|:---|
| **4.50** | Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2. |

---

---

| | |
|:---|:---|
| **4.51** | Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), VA. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428. |

---

---

| | |
|:---|:---|
| **4.52** | Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), VA. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2. |

---

---

| | |
|:---|:---|
| **4.53** | Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008. |

---

---

| | |
|:---|:---|
| **4.54** | Wisconsin Responsible High Cost Mortgage Lending Act, WI. Stat. § 428.202. |

---

---

| | |
|:---|:---|
| **4.55** | West Virginia Residential Mortgage Lender, Broker and Servicer Act, WV. Code § 31-17-1 et seq. |

---

---

| | |
|:---|:---|
| **4.56** | Wyoming Credit Code, WY. Stat. Ann. §§ 40-14-101 et seq. |

---

<br> 5. &nbsp;&nbsp;&nbsp;&nbsp;Misrepresentation and Third Party Product Review

Validate that fraud reports and independent third party property valuations reports are in the file. The review will consist of the following:

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| | |
|:---|:---|
| **5.1** | **Misrepresentation Review** |

---

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

<br> 5.1.1 Signatures

Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

<br> 5.1.2 Alerts

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp; Page 18<br>

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Assess credit report alerts for accuracy and potential issues.

<br> 5.1.3 Social Security Numbers

Compare SSN(s) across all file documents.

<br> 5.1.4 Document Integrity

Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

<br> 5.1.5 Data Consistency

Review the documents contained in the loan file for consistency of data.

<br> 5.1.6 Third Party Fraud Tools

To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

---

| | |
|:---|:---|
| **5.2** | **Independent Third Party Values** |

---

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products.

---

| | |
|:---|:---|
| 5.2.1 | For loans seasoned less than 12 months a retroactive desk review will generally be ordered. If the retroactive desk review supports the origination appraised value within a 10% variance no additional products will be required. If the retroactive desk review does not support the original appraised value within a 10% variance, a secondary valuation product such as a field review or drive-by appraisal will be required. If the loan is seasoned more than 12 months generally a BPO can be ordered. The seasoning and products can be adjusted to meet specific rating agency requirements. |

---

<br> 5.2.2 Consultant will also perform the following steps

<br> 5.2.2.1 Based on review of the original appraisal

<br> 5.2.2.1.1 Property is complete

<br> 5.2.2.1.2 Value is based on as-is condition

<br> 5.2.2.1.3 Property is described as average or better condition

<br> 5.2.2.1.4 No apparent appraiser independence violation statements

<br> 5.2.2.1.5 Appraisal addresses any adverse comments

<br> 5.2.2.2 Appraisal is completed on appropriate GSE Form

<br> 5.2.2.2.1 Appraisal contains required attachments

<br> 5.2.2.3 Appraiser was appropriately licensed at the time the appraisal was signed

---

| | |
|:---|:---|
| 5.2.3 | If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal. |

---

<br> 5.2.4 Value Review Disclaimer

<br> 5.2.4.1 The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp; Page 19<br>

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<br>licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

<br> 5.2.4.2 Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

<br> 5.2.4.3 Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

<br> 5.2.4.4 Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore opus will not have and communications with or responsibility to any individual concerning property valuations.

---

| | |
|:---|:---|
| **5.3** | **Payment History and Servicing Comments** |

---

If a loan is seasoned more than 12 months, the Client will provide payment histories and servicing comments for (i) 36 months, or (ii) the time period required by the rating agencies. The Consultant will review the provided payment histories and comments to determine the following:

<br> 5.3.1 – Timely payment posting

<br> 5.3.2 – Request for modification

<br> 5.3.3 – Property condition issues

<br> 5.3.4 – Change in occupancy

<br> 5.3.5 – Change in ability to pay

<br> 5.3.6 – Other items impacting the enforcement of the lien

---

| | |
|:---|:---|
| **5.4** | **Title Reports** |

---

<br> 5.4.1 If the loan is season over 24 months Consultant will facilitate the ordering of title reports. Consultant and client agree the vendor providing the title reports will be responsible for issuing a separate 15E.

<br> 5.4.2 Consultant is not responsible for the accuracy of the title reports, nor makes any representations or warranties with respect to any of the information contained in the title reports.

---

| | |
|:---|:---|
| **5.5** | **Updated FICO Scores** |

---

If the FICO score contained in the loan file is aged more than 6 months, an updated FICO score will be required

---

| | |
|:---|:---|
| **5.6** | **Properties in FEMA declared disaster zones.** |

---

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure

<br> 5.6.1 No apparent damage to the property

<br> 5.6.2 Property appears to be occupied

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp; Page 20<br>

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<br> 6. Data Compare

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance. Consultant and Client can mutually agree to change the listed fields a review by review basis.

---

| | |
|:---|:---|
| **6.1** | - Appraised Value |

---

---

| | |
|:---|:---|
| **6.2** | CLTV |

---

---

| | |
|:---|:---|
| **6.3** | DTI |

---

---

| | |
|:---|:---|
| **6.4** | FICO |

---

---

| | |
|:---|:---|
| **6.5** | Interest Only |

---

---

| | |
|:---|:---|
| **6.6** | Interest Rate |

---

---

| | |
|:---|:---|
| **6.7** | Loan Term |

---

---

| | |
|:---|:---|
| **6.8** | Loan Purpose |

---

---

| | |
|:---|:---|
| **6.9** | LTV |

---

---

| | |
|:---|:---|
| **6.10** | Occupancy |

---

---

| | |
|:---|:---|
| **6.11** | Original Balance |

---

---

| | |
|:---|:---|
| **6.12** | Property Address |

---

---

| | |
|:---|:---|
| **6.13** | Property City |

---

---

| | |
|:---|:---|
| **6.14** | Property State |

---

---

| | |
|:---|:---|
| **6.15** | Property Type |

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---

| | |
|:---|:---|
| **6.16** | Sales Price |

---

---

| | |
|:---|:---|
| **6.17** | Second Mortgage Lien Amount |

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---

| | |
|:---|:---|
| **6.18** | Self Employed |

---

---

| | |
|:---|:---|
| **6.19** | Units |

---

---

| | |
|:---|:---|
| **6.20** | Zip Code |

---

---

| | |
|:---|:---|
| **6.21** | Loan Type |

---

---

| | |
|:---|:---|
| **6.22** | QM Status |

---

<br> 7. Fitch Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

<br> 8. Moody's Grading Criteria

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp; Page 21<br>

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Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Kroll Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

<br> 10. Standard & Poor's Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

<br> 11. DBRS Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

<br> 12. Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

---

| | |
|:---|:---|
| **12.1** | **&nbsp;&nbsp;&nbsp;&nbsp;Opus Credit Grades** |

---

<br> 12.1.1 Opus Level 1 Credit Grade Definition

Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

<br> 12.1.2 Opus Level 2 Credit Grade Definition

Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

<br> 12.1.3 Opus Level 3 Credit Grade Definition

Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

---

| | |
|:---|:---|
| **12.2** | Opus Property Grades |

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<br> 12.2.1 Opus Level 1 Property Grade Definition

Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

<br> 12.2.2 Opus Level 2 Property Grade Definition

Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

<br> 12.2.3 Opus Level 3 Property Grade Definition

Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

---

| | |
|:---|:---|
| **12.3** | Opus Compliance Grades |

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Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp; Page 22<br>

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<br> 12.3.1 Opus Level 1 Compliance Grade Definition

Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

<br> 12.3.2 Opus Level 2 Compliance Grade Definition

There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

<br> 12.3.3 Opus Level 3 Compliance Grade Definition

Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp; Page 23<br>

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#### Pool Details

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| | | |
|:---|:---|:---|
| **Loan Type** | **Loan Type** | **Loan Type** |
| Type | Count | % of Pool |
| Non-Conforming | 36 | 92.31% |
| Conforming-GSE Eligible | 3 | 7.69% |
| **Total** | **39** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Interest Rate** | **Interest Rate** | **Interest Rate** |
| Type | Count | % of Pool |
| 5.500 - 5.999 | 1 | 2.56% |
| 6.000 - 6.499 | 28 | 71.79% |
| 6.500 - 6.999 | 10 | 25.64% |
| 7.000 - 7.499 | 0 | 0.00% |
| 7.500 - 7.999 | 0 | 0.00% |
| 8.000 - 8.499 | 0 | 0.00% |
| 8.500 - 8.999 | 0 | 0.00% |
| 9.000 - 9.499 | 0 | 0.00% |
| 9.500 - 9.999 | 0 | 0.00% |
| **Total** | **39** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Purpose** | **Purpose** | **Purpose** |
| Type | Count | % of Pool |
| Cash out Refi | 3 | 7.69% |
| Purchase | 23 | 58.97% |
| Rate / Term Refi | 13 | 33.33% |
| **Total** | **39** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Product Type** | **Product Type** | **Product Type** |
| Type | Count | % of Pool |
| Fixed | 39 | 100.00% |
| ARM | 0 | 0.00% |
| **Total** | **39** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Occupancy** | **Occupancy** | **Occupancy** |
| Type | Count | % of Pool |
| Primary Residence | 36 | 92.31% |
| Second Home | 3 | 7.69% |
| Investment Property | 0 | 0.00% |
| **Total** | **39** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **Property Type** | **Property Type** |
| Type | Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; % of Pool |
| Single Family Detached | 24 | 61.54% |
| Co-op | 0 | 0.00% |
| Condo, Low Rise | 3 | 7.69% |
| Condo, High Rise | 0 | 0.00% |
| PUD | 12 | 30.77% |
| 1 Family Attached | 0 | 0.00% |
| 2 Family | 0 | 0.00% |
| 3 Family | 0 | 0.00% |
| 4 Family | 0 | 0.00% |
| **Total** | **39** | **100.00%** |

---

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp; Page 24<br>

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| | | |
|:---|:---|:---|
| **DTI** | **DTI** | **DTI** |
| Type | Count | % of Pool |
| 0.00-20.00 | 2 | 5.13% |
| 20.01-30.00 | 6 | 15.38% |
| 30.01-40.00 | 18 | 46.15% |
| 40.01-45.00 | 7 | 17.95% |
| 45.01-50.00 | 6 | 15.38% |
| **Total** | **39** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **QM Type** | **QM Type** | **QM Type** |
| Type | Count | % of Pool |
| QM/Non-HPML | 0 | 0.00% |
| QM: Safe Harbor APOR | 39 | 100.00% |
| QM/HPML | 0 | 0.00% |
| Not Covered/Exempt | 0 | 0.00% |
| **Total** | **39** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **LTV** | **LTV** | **LTV** |
| Type | Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; % of Pool |
| &nbsp;&nbsp; 0.00-30.00 | 0 | 0.00% |
| 30.01-40.00 | 1 | 2.56% |
| 40.01-50.00 | 3 | 7.69% |
| 50.01-60.00 | 3 | 7.69% |
| 60.01-70.00 | 8 | 20.51% |
| 70.01-80.00 | 24 | 61.54% |
| 80.01-90.00 | 0 | 0.00% |
| **Total** | **39** | **100.00%** |

---

#### Tape Discrepancies

---

| | | |
|:---|:---|:---|
| **Data Element** | **Count** | **Accuracy** |
| Borrower 1 Self-Employment Flag | 2 | 94.87% |
| Property City | 1 | 97.44% |
| Qualifying CLTV | 1 | 97.44% |
| Qualifying LTV | 1 | 97.44% |
| Qualifying Total Debt Income Ratio | 9 | 76.92% |
| Refinance Type | 1 | 97.44% |
| **Total Loan Population** | **39** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp; Page 25<br>

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#### Loan Grading Definitions

#### Credit

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| S&P | Moody's | Fitch | Kroll | DBRS | Definition |
| A | A | A | A | A | Loan conforms to all applicable guidelines, no conditions noted |
| B | B | B | B | B | Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| C | C | C | C | C | The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| D | D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

#### Compliance

---

| | | | | |
|:---|:---|:---|:---|:---|
| S&P | Moody's | Kroll | DBRS | Definition |
| A | A | A | A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | B | B | B | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| C | C | C | C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| Fitch | Definition |
| A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | The loan file is missing critical documentation required to perform the review |

---

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp; Page 26<br>

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#### Property Valuation

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| | |
|:---|:---|
| Moody's | Definition |
| A | Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | Meets all terms for an A, but property requires cosmetic or minor repairs that do not effect value or habitability |
| C | Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| S&P | Definition |
| A | First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not effect value or habitability |
| C | Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp; Page 27<br>

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#### Loan Review Findings

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated December 22, 2025.

#### Overall Grade Summary

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 28 | 71.79% |
| B | 11 | 28.21% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Compliance Grade Summary

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 36 | 92.31% |
| B | 3 | 7.69% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

#### Credit Grade Summary

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 32 | 82.05% |
| B | 7 | 17.95% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

#### Property Grade Summary

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 38 | 97.44% |
| B | 1 | 2.56% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

#### Overall Grade Summary

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | **# of Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 13 | 33.33% |
| B | 26 | 66.67% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Compliance Grade Summary

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | **# of Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 36 | 92.31% |
| B | 3 | 7.69% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

#### Credit Grade Summary

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | **# of Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 32 | 82.05% |
| B | 7 | 17.95% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

#### Property Grade Summary

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | **# of Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 19 | 48.72% |
| B | 20 | 51.28% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp; Page 28<br>

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#### Loans Reviewed (39 Loans)

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| | |
|:---|:---|
| 54912222025001 | 54912222025021 |
| 54912222025002 | 54912222025022 |
| 54912222025003 | 54912222025023 |
| 54912222025004 | 54912222025024 |
| 54912222025005 | 54912222025025 |
| 54912222025006 | 54912222025026 |
| 54912222025007 | 54912222025027 |
| 54912222025008 | 54912222025028 |
| 54912222025009 | 54912222025029 |
| 54912222025010 | 54912222025030 |
| 54912222025011 | 54912222025031 |
| 54912222025012 | 54912222025032 |
| 54912222025013 | 54912222025033 |
| 54912222025014 | 54912222025034 |
| 54912222025015 | 54912222025035 |
| 54912222025016 | 54912222025036 |
| 54912222025017 | 54912222025037 |
| 54912222025018 | 54912222025038 |
| 54912222025019 | 54912222025039 |
| 54912222025020 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp; Page 29<br>

## Exhibit 99.2

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 54912222025005 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025010 | XXXX | $X,XXX.XX<br> B<br> A |
| XXXX | 54912222025008 | XXXX | $X,XXX.XX<br> B<br> A |
| XXXX | 54912222025016 | XXXX | $X,XXX.XX<br> B<br> A |
| XXXX | 54912222025031 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025039 | XXXX | $X,XXX.XX<br> B<br> A |
| XXXX | 54912222025026 | XXXX | $X,XXX.XX<br> C<br> A<br> B |
| XXXX | 54912222025025 | XXXX | $X,XXX.XX<br> A<br> C<br> B |
| XXXX | 54912222025018 | XXXX | $X,XXX.XX<br> A |
| XXXX | 54912222025034 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025038 | XXXX | $X,XXX.XX<br> A |
| XXXX | 54912222025036 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025024 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025032 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025027 | XXXX | $X,XXX.XX<br> A |
| XXXX | 54912222025035 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025019 | XXXX | $X,XXX.XX<br> A |
| XXXX | 54912222025003 | XXXX | $X,XXX.XX<br> A |
| XXXX | 54912222025029 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025030 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025023 | XXXX | $X,XXX.XX<br> A |
| XXXX | 54912222025028 | XXXX | $X,XXX.XX<br> A |
| XXXX | 54912222025022 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025020 | XXXX | $X,XXX.XX<br> A |
| XXXX | 54912222025037 | XXXX | $X,XXX.XX<br> A |
| XXXX | 54912222025015 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025011 | XXXX | $X,XXX.XX<br> A |
| XXXX | 54912222025014 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025004 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025009 | XXXX | $X,XXX.XX<br> A |
| XXXX | 54912222025007 | XXXX | $X,XXX.XX<br> A |
| XXXX | 54912222025012 | XXXX | $X,XXX.XX<br> A |
| XXXX | 54912222025006 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025013 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025021 | XXXX | $X,XXX.XX<br> D<br> A<br> B |
| XXXX | 54912222025001 | XXXX | $X,XXX.XX<br> A<br> C<br> B |
| XXXX | 54912222025017 | XXXX | $X,XXX.XX<br> A<br> B |
| XXXX | 54912222025002 | XXXX | $X,XXX.XX<br> A<br> C<br> B |
| XXXX | 54912222025033 | XXXX | $X,XXX.XX<br> A<br> C<br> B |

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 54912222025005 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2375.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16135.64 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 54912222025010 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20112.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36326.13 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025008 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1720.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22839.83 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025016 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 14148.79 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13638.6 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 54912222025031 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19862.35 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39902.96 | N/A | Employed |  | No |  | No |  |
| XXXX | 54912222025039 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9657.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19787.28 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025026 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1895.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28641.58 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025025 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1950.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10649.31 | N/A | Employed |  | No |  | No |  |
| XXXX | 54912222025018 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1419.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 161433.07 | N/A | Employed |  | No |  | No |  |
| XXXX | 54912222025034 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 890.0 | XXX | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13862 | N/A | Employed |  | No |  | No |  |
| XXXX | 54912222025038 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1595.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16578.4 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025036 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2650.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34562.98 | N/A | Employed |  | No |  | No |  |
| XXXX | 54912222025024 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1250.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41412.14 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025032 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21354.71 | N/A | Not Employed | Employed | No | No | No |  |
| XXXX | 54912222025027 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15990.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42189.11 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025035 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1595.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31227.92 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 54912222025019 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1470.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16698.37 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025003 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13392.88 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14354 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025029 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1695.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16099.65 | N/A | Employed |  | No |  | No |  |
| XXXX | 54912222025030 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4548.62 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15896.42 | N/A | Employed |  | No |  | No |  |
| XXXX | 54912222025023 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1320.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 196221.57 | N/A | Employed |  | No |  | No |  |
| XXXX | 54912222025028 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 175.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14197.63 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025022 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1195.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31054.44 | N/A | Employed |  | No |  | No |  |
| XXXX | 54912222025020 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1784.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14480.22 | N/A | Employed |  | No |  | No |  |
| XXXX | 54912222025037 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4242.5 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13623.08 | N/A | Employed |  | No |  | No |  |
| XXXX | 54912222025015 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1794.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36739.3 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025011 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1395.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28761.69 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025014 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 980.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40080.45 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025004 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 31797.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25860.31 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 54912222025009 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1590.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17555.23 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025007 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 235.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19522.75 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025012 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6550.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19414.97 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025006 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1950.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22947.58 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025013 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1695.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13951.6 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025021 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 100.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19463.74 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025001 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14250.8 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27422.76 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025017 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1595.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28514.07 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 54912222025002 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14669.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12947.37 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 54912222025033 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1230.0 | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25989.43 | N/A | Not Employed | Employed | No | No | No |  |

---

## Exhibit 99.2

---

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| **Loan ID** | **Alt 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** | **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)** | **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** | **Maturity Date** | **Other Lien Interest Rate** |
| XXXX | 54912222025005 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $16135.64 | Yes | XXXXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 38.86% | 38.86% | 38.86% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 92053.39 | 14.6 | 92053.39 | 14.6 | No | 68.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025010 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $36326.13 | N/A |  |  | $0.00 |  |  | 37.93% | 37.93% | 37.93% | Yes | Yes | 4 - Verified 2+ Mos | 1 - Not Stated Not Verified | 3 - Stated, Partially Verified | 1 - Not Stated, Not Verified | 3 - Stated, 3rd Party Verification | 2 - Stated, Not Verified | Self-Employed | Employed | Retired | Self-Employed | .00 | 32.45 | Full Doc | 2 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 1 | 0 | 3 | 2 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 47 | 31 | Work Number | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - Wage, Commission - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower 2 - Retirement, SSI and Disability - 3 YRS Executed 4506T Verified \|\| Co Borrower 3 - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified \|\| Co Borrower 3 - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 713 | 769 | 804 | 761 | 801 | 799 | 809 | 769 | 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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | Fee Simple |  | No | No | N/A | 992591.86 | 135.9 | 992591.86 | 135.9 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | Borrower As Individual | XX/XX/XXXX |  |
| XXXX | 54912222025008 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $22839.83 | N/A |  |  | $0.00 |  |  | 39.84% | 39.84% | 39.84% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 3 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 7 | Borrower | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 360 | 32 | Work Number | No | 0 |  |  | Borrower - SESCorp, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1297702.00 | 103.3 | 1297702.00 | 103.3 | No | 65.31 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025016 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $13638.60 | N/A |  |  | $0.00 |  |  | 46.32% | 46.32% | 46.32% | No | No | 3 - Verified<2Mos |  | 3 - Stated, Partially Verified |  | 1 - Not Stated, Not Verified |  | Employed | Not Employed | Retired |  | .00 |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 147 | 33 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower 2 - Retirement, SSI and Disability, Other, Other, Other, Other, Other, Other, Other - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | 808 | 808 |  | 812 |  |  |  | 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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 866529.66 | 76.1 | 866529.66 | 76.1 | No | 63.05 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025031 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $39902.96 | N/A | XXXXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 33.56% | 33.56% | 33.56% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 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, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, IRS Transcripts Verified - ["2023"] - 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, IRS Transcripts Verified - ["2023"] - 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/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 | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 49953.77 | 7.5 | 251049.06 | 37.6 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025039 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $19787.28 | N/A | XXXXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 38.77% | 37.86% | 37.86% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 1 | 1 Month | 2+ Months | N/A | 0 | Yes | 15 | 0 | 0 | 0 | 0 | 1 | 1 | 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<br> NA | 0 | No | 0 | Yes | 120 | 32 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2021","2022","2024","2025"] - 2021, 2022, 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2021","2022","2024","2025"] - 2021, 2022, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XX | United States | XX/XX/XXXX |  |  | I-551 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 875082.00 | 96.7 | 875082.00 | 96.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025026 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | DU | Approve Ineligible | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $28641.58 | N/A |  |  | $0.00 |  |  | 38.82% | 38.87% | 38.87% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 2 | 1 Month | 1 Month | N/A | 0 | Yes | 5 | 0 | 0 | 0 | 0 | 2 | 0 | 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<br> NA | 0 | No | 0 | Yes | 105 | 31 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 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 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 775412.87 | 53.3 | 775412.87 | 53.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025025 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $10649.31 | Yes | XXXXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 44.04% | 43.33% | 43.33% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 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 - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 800 |  |  |  |  |  |  |  |  | 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 | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | Employment Authorization Document (I-821D) |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 117856.26 | 14.6 | 117856.26 | 14.6 | No | 78.73 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025018 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $161433.07 | N/A |  |  | $0.00 |  |  | 13.41% | 13.41% | 13.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 2 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 30.24% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS 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(K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/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 | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 460103.83 | 24.9 | 460103.83 | 24.9 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025034 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $13862.00 | N/A |  |  | $0.00 |  |  | 32.99% | 32.99% | 32.99% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 33 | 33 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 33853.13 | 4.0 | 33853.13 | 4.0 | No | 50.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025038 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $16578.40 | N/A |  |  | $0.00 |  |  | 33.98% | 33.98% | 33.98% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 0 | Less than 1 Month | Less than 1 Month | N/A | 0 | Yes | 4 | 0 | 0 | 0 | 0 | 2 | 0 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 33 | 33 | Work Number | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 39944.05 | 5.1 | 39944.05 | 5.1 | No | 63.35 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025036 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $34562.98 | N/A | XXXXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 27.46% | 27.46% | 27.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 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 |  | Yes | 35 | 35 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 737 |  |  |  |  |  |  |  |  | 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 | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 306347.53 | 33.0 | 306347.53 | 33.0 | No | 71.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025024 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $41412.14 | N/A |  |  | $0.00 |  |  | 27.84% | 27.84% | 27.84% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, 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 - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - SEPartnership, SEPartnership - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 787 |  |  |  |  |  |  |  |  | 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 |  | XX | United States | XX/XX/XXXX | USA | XX/XX/XXXX | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | XX | United States | XX/XX/XXXX | USA | XX/XX/XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 534328.19 | 48.6 | 534328.19 | 48.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025032 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $21354.71 | Yes | XXXXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 47.31% | 47.32% | 47.32% | No | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 1 | 3 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% | Proceeds from Sale | N/A | 0 | N/A | Borrower Prepared | Borrower | 8<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Maintenance - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Separation Agreement Verified - ["2025"] - 2025 \|\| Co Borrower - SESCorp, SESoleProprietor, Other - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss 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 - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 370061.05 | 291.1 | 370061.05 | 291.1 | No | 75.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025027 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $42189.11 | N/A |  |  | $0.00 |  |  | 34.22% | 34.22% | 34.22% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 2 | 1 | 0 | 3 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 7 | Borrower | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 24 | 24 | Work Number | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 292200.00 | 34.9 | 313969.61 | 37.5 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025035 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $31227.92 | N/A |  |  | $0.00 |  |  | 37.39% | 37.63% | 37.63% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SEPartnership, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 \|\| 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, 2 YRS Business Tax Returns Verified(1065, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 788 |  |  |  |  |  |  |  |  | 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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 238253.88 | 18.4 | 238253.88 | 18.4 | No | 48.28 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025019 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $16698.37 | N/A | XXXXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 47.56% | 47.56% | 47.56% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1 | 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<br> NA | 0 | No | 0 | Yes | 226 | 32 | Other | Yes | 160 | 32 | Other | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Overtime and Bonus - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE 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 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 103112.30 | 10.0 | 103112.30 | 10.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025003 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | LP | Accept Eligible | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $14354.00 | N/A |  |  | $0.00 |  |  | 44.48% | 44.48% | 44.48% | No | No | 4 - Verified 2+ Mos |  | 3 - Stated, Partially Verified |  | 1 - Not Stated, Not Verified |  | Employed | Employed | Retired |  | .00 |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | Yes | No | 240.0 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 78 | 32 | Work Number | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower 2 - Retirement, Asset Depletion - 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","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | 791 | 791 | 820 | 786 |  |  |  | 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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1674558.07 | 209.1 | 1674558.07 | 209.1 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025029 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Approve Ineligible | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $16099.65 | N/A |  |  | $0.00 |  |  | 44.80% | 44.80% | 44.80% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 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 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/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 | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1213710.55 | 93.1 | 1213710.55 | 93.1 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025030 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $15896.42 | N/A |  |  | $0.00 |  |  | 43.52% | 43.52% | 43.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA | No | No | 0 | No | No | N/A | 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 |  |  | Borrower - SESCorp, 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, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 763 |  |  |  |  |  |  |  |  | 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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 92534.69 | 11.7 | 92534.69 | 11.7 | No | 69.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025023 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $196221.57 | N/A |  |  | $0.00 |  |  | 5.52% | 4.52% | 4.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 2 | 1 |  |  | 3 | 0 | 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 |  |  | Borrower - SESCorp, SEPartnership, SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, 1120S, K1), 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, 1120S, K1), 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | HELOC | $0.00 | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 658459.51 | 84.2 | 658459.51 | 84.2 | No | 39.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025028 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $14197.63 | N/A | XXXXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 43.65% | 43.52% | 43.52% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 6.85% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 50 | 31 | FNMA 1005 | Yes | 65 | 31 | Work Number | No | 0 |  |  | Borrower - Wage, Other - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1410076.63 | 138.5 | 1410076.63 | 138.5 | No | 47.75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025022 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $31054.44 | N/A |  |  | $0.00 |  |  | 29.02% | 29.02% | 29.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 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 | 124 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 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 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40698.00 | 3.5 | 40698.00 | 3.5 | No | 74.18 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025020 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | DU | Approve Eligible | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $14480.22 | N/A |  |  | $0.00 |  |  | 35.53% | 35.53% | 35.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 1 | NA | No | No | 0 | No | No | N/A | 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 |  |  | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 59799.34 | 7.6 | 59799.34 | 7.6 | No | 79.16 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025037 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $13623.08 | N/A | XXXXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 41.64% | 41.64% | 41.64% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 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 | 39 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 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 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/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 | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 237846.65 | 29.4 | 237846.65 | 29.4 | No | 78.58 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025015 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $36739.30 | N/A |  |  | $0.00 |  |  | 22.66% | 22.66% | 22.66% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 24.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 71 | 31 | Work Number | No | 0 |  |  | Borrower - Wage, SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 551565.96 | 63.6 | 551565.96 | 63.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025011 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $28761.69 | N/A |  |  | $0.00 |  |  | 33.84% | 33.84% | 33.84% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 2 | Less than 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 3 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 28 | 28 | Other | No | 0 |  |  | Borrower - Wage, SEPartnership, SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage, SEPartnership, SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 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(K1), 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 389457.22 | 33.1 | 389457.22 | 33.1 | No | 71.96 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025014 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $40080.45 | N/A |  |  | $0.00 |  |  | 28.75% | 28.75% | 28.75% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 806 |  |  |  |  |  |  |  |  | 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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 43220.96 | 4.9 | 43220.96 | 4.9 | No | 69.57 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025004 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $25860.31 | N/A |  |  | $0.00 |  |  | 39.97% | 39.97% | 39.97% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 321 | 33 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1215855.78 | 99.4 | 1215855.78 | 99.4 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025009 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | DU | Approve Eligible | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $17555.23 | N/A |  |  | $0.00 |  |  | 47.31% | 47.31% | 47.31% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 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<br> 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) - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 347156.41 | 45.6 | 347156.41 | 45.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025007 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $19522.75 | Yes | XXXXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 38.03% | 38.03% | 38.03% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 123509.25 | 10.7 | 123509.25 | 10.7 | No | 70.61 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025012 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $19414.97 | Yes | XXXXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 33.84% | 33.84% | 33.84% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 32 | 32 | Work Number | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 947577.46 | 125.1 | 947577.46 | 125.1 | No | 80.0 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025006 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $22947.58 | N/A |  |  | $0.00 |  |  | 43.31% | 43.31% | 43.31% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 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<br> NA | 0 | No | 0 | Yes | 360 | 360 | Work Number | Yes | 360 | 360 | Work Number | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE 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 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1564208.10 | 136.9 | 1564208.10 | 136.9 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025013 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $13951.60 | N/A |  |  | $0.00 |  |  | 48.80% | 48.49% | 48.49% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | 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<br> NA | 0 | No | 0 | Yes | 31 | 32 | Work Number | Yes | 31 | 32 | Work Number | No | 0 |  |  | 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 - 1 YR W2 1099 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, Other REO Net Rental Income(Loss), Other - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 713 |  |  |  |  |  |  |  |  | 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 |  |  | Canada | XX/XX/XXXX | Canada | XX/XX/XXXX | Employment Authorization Document (I-821D) |  | XX/XX/XXXX | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  |  | Canada | XX/XX/XXXX | Canada | XX/XX/XXXX | Work Visa |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1457290.00 | 111.6 | 1457290.00 | 111.6 | No | 50.49 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025021 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $19463.74 | Yes | XXXXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 39.59% | 39.65% | 39.65% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 25 | 25 | FNMA 1005 | No | 0 |  |  | Borrower - SESoleProprietor, 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, Lease Agreements Verified, 1040 Schedule E Verified - ["2024"] - 2024 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE 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, 1040 Schedule E Verified - ["2024"] - 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 752297.99 | 63.5 | 752297.99 | 63.5 | No | 80.0 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025001 | XXXX | Non-GSE Eligible | Non-GSE Eligible | XXXX | No | XXXX | XXXX | XX/XX/XXXX | NA | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $27422.76 | Yes | XXXXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 47.40% | 47.99% | 47.99% | No | No | 4 - Verified 2+ Mos | 4 - Verified 2+ Mos | 1 - Not Stated, Not Verified | 3 - Stated, Partially Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | Employed | Employed | Retired | Retired | .00 | .00 | Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 2 | 0 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, Commission - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower 2 - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified \|\| Co Borrower 3 - Retirement, Other - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - 2025 - 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified \|\| Co Borrower 3 - 2 YRS Executed 4506T Verified - 2025 - 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 723 | 747 | 773 | 768 | 675 | 726 | 752 | 768 | 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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | Fee Simple |  | No | No | N/A | 293343.78 | 16.7 | 293343.78 | 16.7 | No | 44.09 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | Borrower As Individual | XX/XX/XXXX |  |
| XXXX | 54912222025017 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $28514.07 | Yes | XXXXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 24.35% | 24.30% | 24.30% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 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 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 521408.44 | 58.0 | 521408.44 | 58.0 | No | 72.71 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025002 | XXXX | Jumbo 30 yr Fixed | Jumbo 30 yr Fixed | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $12947.37 | N/A |  |  | $0.00 |  |  | 38.45% | 38.45% | 38.45% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 YR Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower - 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower - 1 YR Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 333460.61 | 43.3 | 333460.61 | 43.3 | No | 51.43 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |
| XXXX | 54912222025033 | XXXX | AUS Jumbo Correspondent | AUS Jumbo Product | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XX/XX/XXXX | XXX | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $25989.43 | N/A |  |  | $0.00 |  |  | 35.89% | 35.85% | 35.85% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 2 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | 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, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  |  | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 160865.00 | 17.1 | 160865.00 | 17.1 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |

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## Exhibit 99.2

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| **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Original AVM Confidence Score** | **Original AVM FSD** | **Loan Reviewed Product Type** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **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** | **Most Recent AVM Confidence Score** | **Most Recent AVM FSD** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 54912222025005 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 68.0 | 68.0 |  |  | Loan Collateral Advisor (LCA) | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible | 2.3 | XX/XX/XXXX |
| XXXX | 54912222025010 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 |  |  | Loan Collateral Advisor (LCA) | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible | 2 | XX/XX/XXXX |
| XXXX | 54912222025008 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 65.31 | 65.31 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 | XX/XX/XXXX |
| XXXX | 54912222025016 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 63.05 | 63.05 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XX/XX/XXXX |
| XXXX | 54912222025031 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 70.0 | 70.0 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.9 | XX/XX/XXXX |
| XXXX | 54912222025039 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 54912222025026 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 |  |  | AVM | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.970000 | 0.03 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XX/XX/XXXX |
| XXXX | 54912222025025 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 78.73 | 78.73 |  |  | 2055 Exterior Only Inspection Report | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 |  | XX/XX/XXXX |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.6 | XX/XX/XXXX |
| XXXX | 54912222025018 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 |  |  | Loan Collateral Advisor (LCA) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Not Eligible | 1 | XX/XX/XXXX |
| XXXX | 54912222025034 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 50.82 | 50.82 |  |  | Loan Collateral Advisor (LCA) | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible | 2 | XX/XX/XXXX |
| XXXX | 54912222025038 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 63.35 | 63.35 |  |  | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXX | 54912222025036 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 71.93 | 71.93 |  |  | AVM | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.930000 | 0.07 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXX | 54912222025024 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.6 | XX/XX/XXXX |
| XXXX | 54912222025032 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 75.0 | 75.0 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XX/XX/XXXX |
| XXXX | 54912222025027 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | Eligible |  | XX/XX/XXXX |
| XXXX | 54912222025035 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 48.28 | 48.28 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXX | 54912222025019 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
| XXXX | 54912222025003 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| XXXX | 54912222025029 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 70.0 | 70.0 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX | Eligible |  |  |
| XXXX | 54912222025030 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 69.7 | 69.7 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |
| XXXX | 54912222025023 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 39.65 | 44.28 |  |  | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 2.2 | XX/XX/XXXX |
| XXXX | 54912222025028 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 47.75 | 47.75 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| XXXX | 54912222025022 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 74.18 | 74.18 |  |  | AVM | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.920000 | 0.08 | Clear Capital | ClearAVM | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |
| XXXX | 54912222025020 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 79.16 | 79.16 |  |  | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXX | 54912222025037 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 78.58 | 78.58 |  |  | 2000 One Unit Appraisal Field Review | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 54912222025015 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| XXXX | 54912222025011 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 71.96 | 71.96 |  |  | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| XXXX | 54912222025014 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 69.57 | 69.57 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XX/XX/XXXX |
| XXXX | 54912222025004 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 |  |  | AVM | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.960000 | 0.04 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXX | 54912222025009 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 |  |  | Loan Collateral Advisor (LCA) | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible |  |  |
| XXXX | 54912222025007 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | $X,XXX.XX | 70.61 | 70.61 |  |  | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| XXXX | 54912222025012 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | $X,XXX.XX | 80.0 | 80.0 |  |  | Desk Review | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | XXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible |  |  |
| XXXX | 54912222025006 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XX/XX/XXXX |
| XXXX | 54912222025013 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 50.49 | 50.49 |  |  | Desk Review | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 | XX/XX/XXXX |
| XXXX | 54912222025021 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | $X,XXX.XX | 80.0 | 80.0 |  |  | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXX | 54912222025001 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 44.09 | 44.09 |  |  | AVM | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.940000 | 0.06 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXX | 54912222025017 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 72.71 | 72.71 |  |  | AVM | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.930000 | 0.07 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX |
| XXXX | 54912222025002 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 51.43 | 51.43 |  |  | AVM | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.900000 | 0.1 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XX/XX/XXXX |
| XXXX | 54912222025033 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 |  |  | Collateral Underwriter (CU) | $X,XXX.XX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XX/XX/XXXX | Not Eligible | 2.1 | XX/XX/XXXX |

---

## Exhibit 99.2

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 54912222025010 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXX | 54912222025010 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.93 | 38.08 | 1008 DTI is 37.93. Audit DTI matches 1008. |
| XXXX | 54912222025016 | XXXX | Qualifying LTV | propertyValuationPage | 63.05 | 63.04 | Rounding. |
| XXXX | 54912222025016 | XXXX | Qualifying CLTV | propertyValuationPage | 63.05 | 63.04 | Rounding. |
| XXXX | 54912222025039 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.86 | 38.79 | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX. |
| XXXX | 54912222025026 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.87 | 38.82 | DTI difference is less than 1% and within lender tolerance. |
| XXXX | 54912222025025 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.33 | 44.04 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| XXXX | 54912222025035 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.63 | 37.23 | Audit liabilities were based on documents in the loan file.  |
| XXXX | 54912222025030 | XXXX | Property City | notePage | Per Audit | Per Tape | Audit Value Pulled From Note. |
| XXXX | 54912222025023 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 4.52 | 5.08 | Audit reflects more conservative income based on documents in the loan file.  |
| XXXX | 54912222025028 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| XXXX | 54912222025013 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.49 | 48.80 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| XXXX | 54912222025001 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.99 | 47.40 | DTI difference is less than 1% and within lender tolerance.  |
| XXXX | 54912222025033 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.85 | 35.31 | DTI difference is less than 1% and within lender tolerance. |
| XXXX | 54912222025017 | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Limited Cash Out - <2% of Loan Amount or $2000 | Borrower not Receiving cash out amount |

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Alt 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 | XXXX | 54912222025005 | XXXX | Closed | 2025-10-23 16:38 | 2025-11-18 13:36 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-10/23/2025 |  | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5997167 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025010 | XXXX | Closed | 2025-10-23 15:27 | 2025-11-18 13:38 | Acknowledged | 2 - Non-Material | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025 <br> Open-Other Property Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2025 |  | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 5995898 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025010 | XXXX | Closed | 2025-10-23 14:54 | 2025-11-18 13:37 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2025 |  | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 5995170 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025008 | XXXX | Closed | 2025-10-23 10:26 | 2025-11-18 13:38 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXXHazard Insurance Effective Date is on disbursement date. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2025 |  | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5989026 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025016 | XXXX | Closed | 2025-10-23 13:05 | 2025-11-18 13:39 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX however it is before the disbursement date of XX/XX/XXXX - Due Diligence Vendor-10/23/2025 |  | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5992737 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025016 | XXXX | Closed | 2025-10-24 13:50 | 2025-10-24 14:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-10/24/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-10/24/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6010540 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025031 | XXXX | Closed | 2025-11-12 11:35 | 2025-11-18 13:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/18/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/12/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Second Home | Refinance | Cash Out - Other | 6225900 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025039 | XXXX | Closed | 2025-11-11 12:08 | 2025-11-18 13:40 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Loan funded on XX/XX/XXXX, Hazard Insurance is acceptable - Due Diligence Vendor-11/11/2025 |  | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6211063 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025026 | XXXX | Closed | 2025-11-12 09:53 | 2025-11-24 06:48 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Acknowledged-HOI effective date is after the Note date but on or before the disbursement date. This finding is deemed non-material and will be rated an B.<br> - Due Diligence Vendor-11/24/2025 <br> Resolved-Received PCCD reflecting disbursement date of XX/XX/XXXX which is the HOI effective date. Condition cleared. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Post CD - Dry Funding State - Disbursement is XX/XXwhich is the same as the effective date of the Insurance policy - Seller-11/18/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Loan funded on XX/XX/XXXX, both hazard insurance policies are not effective until XX/XX/XXXX - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. Post CD - Dry Funding State - Disbursement is XX/XX which is the same as the effective date of the Insurance policy - Seller-11/18/2025<br>| Acknowledged-HOI effective date is after the Note date but on or before the disbursement date. This finding is deemed non-material and will be rated an B.<br> - Due Diligence Vendor-11/24/2025 <br> Resolved-Received PCCD reflecting disbursement date of XX/XX/XXXX which is the HOI effective date. Condition cleared. - Due Diligence Vendor-11/18/2025<br>| XXXXXXXXXX Post CD.pdf |  |  | XX | Primary Residence | Purchase | NA | 6223223 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025026 | XXXX | Closed | 2025-11-12 09:53 | 2025-11-24 06:47 | Acknowledged | 2 - Non-Material | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Acknowledged-HOI effective date is after the Note date but on or before the disbursement date. This finding is deemed non-material and will be rated an B.<br> - Due Diligence Vendor-11/24/2025 <br> Resolved-Received PCCD reflecting disbursement date of 09/29/2025 which is the HOI effective date. Condition cleared. - Due Diligence Vendor-11/18/2025 <br> Open-Other Property Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Loan funded on XX/XX/XXXX, both hazard insurance policies are not effective until XX/XX/XXXX - Due Diligence Vendor-11/12/2025 |  | Acknowledged-HOI effective date is after the Note date but on or before the disbursement date. This finding is deemed non-material and will be rated an B.<br> - Due Diligence Vendor-11/24/2025 <br> Resolved-Received PCCD reflecting disbursement date of XX/XX/XXXX which is the HOI effective date. Condition cleared. - Due Diligence Vendor-11/18/2025<br>| XXXXXXXXXX Post CD.pdf |  |  | XX | Primary Residence | Purchase | NA | 6223224 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025026 | XXXX | Closed | 2025-11-14 07:39 | 2025-11-14 11:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by investor. - Due Diligence Vendor-11/14/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2025 |  | Acknowledged-Acknowledged by investor. - Due Diligence Vendor-11/14/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6251074 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025025 | XXXX | Closed | 2025-11-24 05:48 | 2025-11-24 05:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/24/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/24/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6359138 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025025 | XXXX | Closed | 2025-11-12 15:44 | 2025-11-14 09:37 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Subject 1004 available. 2055 supports value. Condition Resolved, - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. Multiple Appraisals provided - Seller-11/14/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. CU greater than 2.5. Secondary valuation required. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. Multiple Appraisals provided - Seller-11/14/2025<br>| Resolved-Subject 1004 available. 2055 supports value. Condition Resolved, - Due Diligence Vendor-11/14/2025<br>| XXXXXXXXXX Appraisal2.pdf<br> XXXXXXXXXX Appraisal2.pdf |  |  | XX | Primary Residence | Purchase | NA | 6230219 | N/A | N/A |
| XXXX | XXXX | 54912222025034 | XXXX | Closed | 2025-11-11 14:27 | 2025-11-18 13:41 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025 <br>Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-11/11/2025 |  | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6213579 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025036 | XXXX | Closed | 2025-11-14 11:38 | 2025-11-14 15:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/14/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/14/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6256387 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025024 | XXXX | Closed | 2025-11-14 15:53 | 2025-11-14 15:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6260572 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025032 | XXXX | Closed | 2025-11-17 05:56 | 2025-11-18 13:27 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/18/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/17/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6268784 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025035 | XXXX | Closed | 2025-11-14 10:46 | 2025-11-14 11:16 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/14/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/14/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6255351 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025029 | XXXX | Closed | 2025-11-12 06:30 | 2025-11-12 09:52 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/12/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/12/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/12/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6220327 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025030 | XXXX | Closed | 2025-11-12 15:24 | 2025-11-12 16:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/12/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/12/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/12/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6229931 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025022 | XXXX | Closed | 2025-11-12 09:49 | 2025-11-12 09:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/12/2025 <br>Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. - Due Diligence Vendor-11/12/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/12/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6223120 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025015 | XXXX | Closed | 2025-10-24 10:06 | 2025-10-24 11:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-10/24/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-10/24/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6004974 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025014 | XXXX | Closed | 2025-10-24 11:42 | 2025-10-24 11:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-10/24/2025 <br>Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-10/24/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6007837 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025004 | XXXX | Closed | 2025-10-24 14:11 | 2025-10-24 14:29 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-10/24/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2025 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-10/24/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6010874 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025006 | XXXX | Closed | 2025-10-24 13:48 | 2025-10-24 13:49 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-10/24/2025 <br>Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies. - Due Diligence Vendor-10/24/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-10/24/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6010523 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025013 | XXXX | Closed | 2025-12-20 11:47 | 2025-12-20 11:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Client. - Due Diligence Vendor-12/20/2025 <br>Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and A for all other Agencies. - Due Diligence Vendor-12/20/2025 |  | Acknowledged-Acknowledged by Client. - Due Diligence Vendor-12/20/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6723032 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025021 | XXXX | Closed | 2025-11-12 14:02 | 2025-11-24 13:36 | Acknowledged | 2 - Non-Material | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Acknowledged-This finding is deemed non-material and will be rated an B. - Due Diligence Vendor-11/24/2025 <br> Acknowledged-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Prior to disbursement date of XX/XX/XXXX per PCCD. - Due Diligence Vendor-11/12/2025 |  | Acknowledged-This finding is deemed non-material and will be rated an B. - Due Diligence Vendor-11/24/2025 <br> Acknowledged-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Prior to disbursement date of XX/XX/XXXX per PCCD. - Due Diligence Vendor-11/12/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6228626 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025021 | XXXX | Closed | 2025-11-14 08:52 | 2025-11-19 15:11 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Updated 1008 with lender explanation of other as a cushion accepted. Condition Resolved. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. The "Other" was added for cushion and looks like it was corrected in our system after the last AUS/1008 were ran and printed. Removing this would only lower DTI, which per XXXX guide does not require re-submission. <br> - Seller-11/19/2025 <br> Open-Missing evidence of monthly payment "Other" on final 1008. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. The "Other" was added for cushion and looks like it was corrected in our system after the last AUS/1008 were ran and printed. Removing this would only lower DTI, which per XXXX guide does not require re-submission. <br> - Seller-11/19/2025<br>| Resolved-Updated 1008 with lender explanation of other as a cushion accepted. Condition Resolved. - Due Diligence Vendor-11/19/2025<br>| XXXXXXXXXX 1008.pdf |  |  | XX | Primary Residence | Purchase | NA | 6252280 | N/A | N/A |
| XXXX | XXXX | 54912222025001 | XXXX | Closed | 2025-09-16 15:39 | 2025-10-03 11:36 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-Received Appraisal Disclosure dated within 3 days of application. Condition cleared. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/02/2025 <br> Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/02/2025<br>| Resolved-Received Appraisal Disclosure dated within 3 days of application. Condition cleared. - Due Diligence Vendor-10/03/2025<br>| Appraisal.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5553958 | N/A | N/A |
| XXXX | XXXX | 54912222025001 | XXXX | Closed | 2025-09-16 15:31 | 2025-10-03 11:36 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received initial LE dated within 3 days of application. Condition cleared. - Due Diligence Vendor-10/03/2025 <br> Resolved- - Due Diligence Vendor-10/03/2025 <br> Resolved- - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/02/2025 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/02/2025<br>| Resolved-Received initial LE dated within 3 days of application. Condition cleared. - Due Diligence Vendor-10/03/2025 <br>Resolved- - Due Diligence Vendor-10/03/2025<br>| XXXXX XXXXXXXXXX LE response.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5553722 | N/A | N/A |
| XXXX | XXXX | 54912222025001 | XXXX | Closed | 2025-09-16 15:31 | 2025-10-03 11:36 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received Homeownership Counseling Disclosure dated within 3 days of application. Condition cleared. - Due Diligence Vendor-10/03/2025 <br> Resolved- - Due Diligence Vendor-10/03/2025 <br> Resolved- - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/02/2025 <br> Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/02/2025<br>| Resolved-Received Homeownership Counseling Disclosure dated within 3 days of application. Condition cleared. - Due Diligence Vendor-10/03/2025 <br>Resolved- - Due Diligence Vendor-10/03/2025<br>| Counseling.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5553721 | N/A | N/A |
| XXXX | XXXX | 54912222025001 | XXXX | Closed | 2025-09-22 17:11 | 2025-09-22 17:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-09/22/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/22/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-09/22/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5621388 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025013 | XXXX | Closed | 2025-10-23 12:57 | 2025-11-24 13:35 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Acknowledged-Acknowledged by Investor. This finding is deemed non-material and will be rated an B. - Due Diligence Vendor-11/24/2025 <br> Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025 <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 same as disbursement date. - Due Diligence Vendor-10/23/2025 |  | Acknowledged-Acknowledged by Investor. This finding is deemed non-material and will be rated an B. - Due Diligence Vendor-11/24/2025 <br>Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5992544 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025002 | XXXX | Closed | 2025-09-23 12:45 | 2025-10-14 10:18 | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Open-The disclosed finance charge ($X,XXX.XX) is ($X,XXX.XX) below the actual finance charge($X,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXbelow the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($X,XXX.XX) is ($X,XXX.XX) below the actual finance charge($X,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2025<br>| XXXXXXX XXXXXXXXX cure.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5638206 | N/A | N/A |
| XXXX | XXXX | 54912222025002 | XXXX | Closed | 2025-09-24 09:20 | 2025-09-24 12:36 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-09/24/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-09/24/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5651420 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025033 | XXXX | Closed | 2025-11-12 10:15 | 2025-12-05 11:13 | Waived | 2 - Non-Material | Property | Property | Ineligible Property | Waived-Waived by Investor - Due Diligence Vendor-12/05/2025 <br>Open-Properties zoned Agricultural with over 5 acres are ineligible. - Due Diligence Vendor-11/12/2025 | XXXX is comfortable waiving this exception. - 12/05/2025 <br>| Waived-Waived by Investor - Due Diligence Vendor-12/05/2025<br>|  |  | FICO 790; DTI 36%; Cash Reserves $160k | XX | Primary Residence | Purchase | NA | 6223557 | Investor Post-Close | No |
| XXXX | XXXX | 54912222025017 | XXXX | Closed | 2025-11-12 09:43 | 2025-11-12 11:52 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by investor. - Due Diligence Vendor-11/12/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/12/2025 |  | Acknowledged-Acknowledged by investor. - Due Diligence Vendor-11/12/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6223041 | Investor Post-Close | No |

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