# EDGAR Filing Document

**Accession Number:** 0001803775
**File Stem:** 0001387131-23-004308
**Filing Date:** 2023-3
**Character Count:** 2774535
**Document Hash:** 6ef85879e3dbe57091211f960d2df4e3
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001387131-23-004308.hdr.sgml**: 20230331

**ACCESSION NUMBER**: 0001387131-23-004308

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

**PUBLIC DOCUMENT COUNT**: 52

**CONFORMED PERIOD OF REPORT**: 20230331

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

**FILED AS OF DATE**: 20230331

**DATE AS OF CHANGE**: 20230331

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFRA NQM Depositor, LLC
- **CENTRAL INDEX KEY:** 0001803775
- **IRS NUMBER:** 472232021
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04985
- **FILM NUMBER:** 23789014

**BUSINESS ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 212-207-6400

**MAIL ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFRA NQM Depositor, LLC
- **CENTRAL INDEX KEY:** 0001803775
- **IRS NUMBER:** 472232021
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 212-207-6400

**MAIL ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022

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

**<u>MFRA NQM DEPOSITOR, LLC</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

<u>☒</u> Rule
15Ga-2 under the Exchange Act (17 CPR 240.15Ga-2)

Central Index Key Number of depositor: 0001803775

<u>MFA 2023-NQM2 Trust</u> <br> (Exact name of issuing entity as specified in its charter)

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

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

Bryan Wulfsohn, 212-207-6431

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

**REPORTS**

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

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

**Item 2.02 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Underwriter**

Not Applicable

**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.

---

| | | |
|:---|:---|:---|
|  | **MFRA NQM Depositor, llc** | **MFRA NQM Depositor, llc** |
|  |  | /s/ Bryan Wulfsohn |
| Date: March 31, 2023 | Name: | Bryan Wulfsohn |
|  | Title: | Vice President |

---

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.01](ex99-01.htm) | Canopy Financial Technology Partners, LLC ("**Canopy**") Narrative |

---

[99.02](ex99-02.htm) Canopy Supplemental Data Report

[99.03](ex99-03.htm) Canopy Rating Agency Grades Detail Report

[99.04](ex99-04.htm) Canopy Rating Agency Grades Summary Report

[99.05](ex99-05.htm) Canopy Valuation Report

[99.06](ex99-06.htm) Canopy ATR QM Report

[99.07](ex99-07.htm) Canopy Data Compare Report

---

| | |
|:---|:---|
| [99.08](ex99-08.htm) | Clayton Services LLC ("**Clayton**") Narrative |

---

[99.09](ex99-09.htm) Clayton Conditions Summary Report

[99.10](ex99-10.htm) Clayton Conditions Detail Report

[99.11](ex99-11.htm) Clayton Loan Grades Report

[99.12](ex99-12.htm) Clayton Loan Level Tape Compare

[99.13](ex99-13.htm) Clayton Non ATR QM Upload Report

[99.14](ex99-14.htm) Clayton RA ATR QM Data Report

[99.15](ex99-15.htm) Clayton Valuations Summary Report

[99.16](ex99-16.htm) Clayton Waived Conditions Summary Report

---

| | |
|:---|:---|
| [99.17](ex99-17.htm) | Evolve Mortgage Services ("**Evolve**") Narrative |

---

[99.18](ex99-18.htm) Evolve Rating Agency Grades Report

[99.19](ex99-19.htm) Evolve Exception Detail Report

[99.20](ex99-20.htm) Evolve Valuation Report

[99.21](ex99-21.htm) Evolve Data Compare Report

[99.22](ex99-22.htm) Evolve QM ATR Data Report

[99.23](ex99-23.htm) Evolve Business Purpose Report

---

| | |
|:---|:---|
| [99.24](ex99-24.htm) | Infinity IPS, Inc. ("**Infinity**") Narrative |

---

[99.25](ex99-25.htm) Infinity Data Compare Report

[99.26](ex99-26.htm) Infinity Individual Exception Report

[99.27](ex99-27.htm) Infinity Loan Level Exception Report

[99.28](ex99-28.htm) Infinity Rating Agency Grades Report

[99.29](ex99-29.htm) Infinity Valuation Report

[99.30](ex99-30.htm) Infinity Supplemental Data Report

---

| | |
|:---|:---|
| [99.31](ex99-31.htm) | Selene Diligence LLC ("**Selene**") Narrative |

---

[99.32](ex99-32.htm) Selene Rating Agency Grades Summary Report

[99.33](ex99-33.htm) Selene Standard Findings Report

[99.34](ex99-34.htm) Selene Valuation Report

[99.35](ex99-35.htm) Selene MLS Report

[99.36](ex99-36.htm) Selene Supplement Data Report

[99.37](ex99-37.htm) Selene Business Purpose Report

[99.38](ex99-38.htm) Selene Data Compare Report

## Exhibit 99.01

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.01**

![](ex9901001.jpg)

**NARRATIVE**

**MFA 2023-NQM2**

**By Canopy Financial Technology Partners LLC on March 13, 2023**

Canopy Financial Technology Partners LLC

<u>info@canopytpr.com</u> \| 720-371-8517 \| <u>www.canopytpr.com</u>

Address: 83 Halls Road, STE 203, Old Lyme, CT 06371

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

![](ex9901001.jpg)

**Description of Services** 

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by MFA Financial, Inc. (the "Client") or its affiliated company. The Review was conducted from September 2021 to January 2023 via files imaged and provided by the Client for review.

The Review consisted of a population of Two Hundred Twelve (212) Loans with an aggregate principal balance of $91,902,150.

**Loan Sampling**

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

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

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Origination FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |

---

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

![](ex9901001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Amount/Draw Amount | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

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

![](ex9901001.jpg)

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

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

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

● Borrower(s) employment history ;

● Citizenship and eligibility;

● First time home buyer status ;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

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

● Installment and revolving payment history;

● Mortgage/rental payment history;

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

● Number of tradelines; and

● Representative Credit Score and Methodology.

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

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

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

![](ex9901001.jpg)

● Award letters;

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

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

● Borrower identity:

○ Social Security inconsistencies

○ Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

○ Mortgage lender/originator

○ Loan officer

● Occupancy:

○ Borrower address history

○ Subject property ownership history

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

![](ex9901001.jpg)

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

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

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

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

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

**Document Review**

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

![](ex9901001.jpg)

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

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

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

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

**Compliance Review**

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

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

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

![](ex9901001.jpg)

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

(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "), 12 U.S.C.
 §2603, as implemented by Regulation X, 12 C.F.R. Part 1024;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs
 and CDs with a report outlining any TILA violations, including a re-calculation of disclosed
 finance charge, principal and interest calculations, proper completion of the Projected
 Payments table, total of payments, finance charge, amount financed, recalculation of
 disclosed APR and a review to determine disclosure differences were within the allowed
 tolerances and disclosures were provided within the required timeframes. Testing will
 be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance
 Review Scope ("TRID Grid 3.0" v.12/05/2019);

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

![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**QUALIFIED MORTGAGE (QM)** 

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

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

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

**Ability to Repay (ATR)**

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

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

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

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**Valuation Review**

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

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

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

***Independent third-party values, CU Scores and fhlmc reps and warrants***

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

**Valuation Reconciliation Process:**

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

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

**Agency & Non-Agency Eligible Loans:** 

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

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

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**VALUATION RESULTS SUMMARY**

The tables below sets forth the number of Mortgage Loans and valuation of associated properties within the Diligence Sample for which an independent third-party valuation product was produced in accordance with the foregoing process:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** |
| &nbsp;&nbsp;**# of Files – CU Score <= 2.5** | &nbsp;&nbsp;**# of Files – Eligible Rep & Warrant Relief** | &nbsp;&nbsp;**# of Files < -10% of OA valued (Desk Review)** | &nbsp;&nbsp;**# of Files => -10% of OA valued (Desk Review)** |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |

---

● Chart is N/A as all Loan Files were Non-Agency

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Non-Agency Eligible** | &nbsp;&nbsp;**Non-Agency Eligible** | &nbsp;&nbsp;**Non-Agency Eligible** | &nbsp;&nbsp;**Non-Agency Eligible** |
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files < -10% of OA value OR Confidence <= 80%** | &nbsp;&nbsp;**# of Files => -10% of OA value** |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;119 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |

---

● Of the 212 Non-Agency Eligible loans reviewed:

○ 83 Loan Files were noted with a Desk Review supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 5
 Loan Files were noted with an AVM also supporting the original appraised value within
 a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 2
 Loan Files were noted with a Second Full Appraisal also supporting the original appraised
 value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1
 Loan File was noted with a BPO also supporting the original appraised value within a
 10% variance.

○ 119 Loan files were noted with an AVM supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 5
 Loan Files were noted with a Desk Review also supporting the original appraised value
 within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4
 Loan Files were noted with a Second Full Appraisal also supporting the original appraised
 value within a 10% variance.

○ 8 Loan File were noted with a Second Full Appraisal supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 2
 Loan Files were noted with a Desk Review also supporting the original appraised value
 within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 5
 Loan Files were noted with an AVM also supporting the original appraised value within
 a 10% variance.

○ 2 Loan File were noted with a BPO supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1
 Loan Files were noted with a Desk Review also supporting the original appraised value
 within a 10% variance.

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

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**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

---

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

---

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

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---

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

---

---

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

---

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

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**FINDINGS SUMMARY**

**Summary Overview** 

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 6.13% or thirteen (13) mortgage loans reviewed have an overall grade of "B", and 93.87% or one hundred ninety-nine (199) mortgage loans reviewed have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 4.72% or ten (10) mortgage loans reviewed, and 95.28% or two hundred two (202) mortgage loans reviewed have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 0.94% or two (2) mortgage loans reviewed, and 99.06% or two hundred ten (210) mortgage loans reviewed have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 0.47% or one (1) mortgage loan reviewed, grade of "A" for 99.53% or two hundred eleven (211) mortgage loans reviewed.

**FINDINGS TABLE** 

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;199 | &nbsp;&nbsp;93.87% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;6.13% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**212** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;202 | &nbsp;&nbsp;95.28% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;4.72% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**212** | &nbsp;&nbsp;**100.00%** |

---

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

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;211 | &nbsp;&nbsp;99.53% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.47% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**212** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;210 | &nbsp;&nbsp;99.06% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.94% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**212** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;201 | &nbsp;&nbsp;94.81% | &nbsp;&nbsp;$81867150.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;11 | &nbsp;&nbsp;5.19% | &nbsp;&nbsp;$10035000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**212** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$91902150.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;212 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$91902150.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**212** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$91902150.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;73 | &nbsp;&nbsp;34.43% | &nbsp;&nbsp;$29025800.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;15 | &nbsp;&nbsp;7.08% | &nbsp;&nbsp;$6381450.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;111 | &nbsp;&nbsp;52.36% | &nbsp;&nbsp;$50187300.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;13 | &nbsp;&nbsp;6.13% | &nbsp;&nbsp;$6307600.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**212** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$91902150.00** |

---

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

![](ex9901001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;208 | &nbsp;&nbsp;98.11% | &nbsp;&nbsp;$89346150.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.89% | &nbsp;&nbsp;$2556000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**212** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$91902150.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;57 | &nbsp;&nbsp;26.89% | &nbsp;&nbsp;$40676750.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.94% | &nbsp;&nbsp;$505600.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;153 | &nbsp;&nbsp;72.17% | &nbsp;&nbsp;$50719800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**212** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$91902150.00** |

---

**DATA COMPARISON RESULTS**

Of the Two Hundred Twelve (212) mortgage Loan Files reviewed, fifteen (15) unique loans (7.08% by number) had sixteen (15) tape comparison discrepancies across forty-two (41) data fields.

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

![](ex9901001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Origination FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Initial Monthly P&I or IO Payment | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Amount/Draw Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;212 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.94% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;212 | &nbsp;&nbsp;2.36% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;3 | &nbsp;&nbsp;212 | &nbsp;&nbsp;1.42% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;212 | &nbsp;&nbsp;0.47% |

---

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

![](ex9901001.jpg)

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.02

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.02** 

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **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 Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Co Borrower 2 Citizenship Indicator** | **Co Borrower 3 Citizenship Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower 2 Country Name** | **Co Borrower 3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **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** | **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** | **QM Regulation Failures** | **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** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **CPA Letter Flag** | **# of Months CPA verified income** | **WVOE Flag** | **# of Months WVOE** | **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** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** |
| 60597 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 3.875% | Yes |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 2.480 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61707 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 24900 | $29642.25 | XXX | 3.747% | XXX | 3.625% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 40.61% | 40.61% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.00% | 100.00% |  |  | Borrower - Wage - 12 Personal Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 24900 |  | 3.200% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61739 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8995 | $21653.96 | XXX | 3.477%% | XXX | 3.375% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 14.18% | 14.18% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Other - Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 8995 |  | 3.100% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61729 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 3000 | $4233.83 | XXX | 4.118%% | XXX | 3.999% | No | No | Employed | Employed |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  | $0.00 | 1 | XXX | XXX |  |  |  |  |  |  | 43.85% | 43.85% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified | Borrower \|\| Co Borrower | XXX | XXX | XXX | XXX | 0 |  | XXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 3000 |  | 3.040% |  |  |  | No |  |  | No |  | 2 | 2 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | No | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61736 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No |  | $6393.75 | XXX | 3.212%% | XXX | 3.125% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 29.78% | 29.78% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61903 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $4398.00 | XXX | 4.128%% | XXX | 4.000% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 29.55% | 29.55% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - Other - 12 Personal Bank Statements Verified, Lease Agreements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  | 3681 |  | 3.030% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  |  | 1.360 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61684 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 16790 | $21232.50 | XXX | 4.865% | XXX | 4.750% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 45.60% | 45.60% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 16790 |  | 0.000% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61711 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 40892 | $43670.75 | XXX | 3.762% | XXX | 3.500% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 38.81% | 38.81% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 40892 |  | 3.060% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61799 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6431.25 | $7128.33 | XXX | 4.407% | XXX | 4.250% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 9.59% | 9.59% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Other - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 6431.25 |  | 3.200% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  |  | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61812 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 14120 | $16356.12 | XXX | 3.916% | XXX | 3.750% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 47.74% | 47.74% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 12 Personal Bank Statements Verified \|\| Co Borrower - CPA Letter Verified, 12 Personal Bank Statements Verified | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 14120 |  | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61787 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 23000 | $33691.70 | XXX | 4.003% | XXX | 3.875% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 21.22% | 21.22% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Separation Agreement Verified, 12 Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 23000 |  | 3.200% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61813 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 15195 | $16700.00 | XXX | 4.424%% | XXX | 4.125% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 10.98% | 10.98% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 15195 |  | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61838 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 19295 | $21343.25 | XXX | 3.315% | XXX | 3.125% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 19.98% | 19.98% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Written VOE Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 19295 |  | 3.030% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | Yes | 35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61758 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4800 | $6230.40 | XXX | 4.346% | XXX | 4.125% | No | No | Not Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 36.03% | 36.03% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified, null 1040 Schedule E Verified | Borrower \|\| Co Borrower - null 1040 Schedule E Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 4800 |  | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61811 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8645 | $9592.03 | XXX | 4.164% | XXX | 3.999% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 28.89% | 28.89% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2+ Months Paystubs Verified | Borrower | XXX | XXX | XXX | XXX | 1 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 8645 |  | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61824 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8032 | $9038.03 | XXX | 3.514% | XXX | 3.375% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 45.88% | 45.88% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 8032 |  | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61826 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 12260 | $13900.65 | XXX | 3.991% | XXX | 3.750% | No |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 12260 |  | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61834 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 11730 | $13523.10 | XXX | 3.791% | XXX | 3.625% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 31.28% | 31.28% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership - 12 Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 11730 |  | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61836 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | Yes | 25795 | $28070.56 | XXX | 3.664% | XXX | 3.500% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 28.48% | 28.48% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 52.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 25795 |  | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61840 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5295 | $6205.23 | XXX | 3.541% | XXX | 3.375% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 42.84% | 42.84% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 5295 |  | 3.030% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61793 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $5261.49 |  | 4.554%% | XXX | 4.375% | Yes | Yes | Employed | Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.140 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61682 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7691.97 | $9032.77 | XXX | 4.278% | XXX | 3.999% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 37.48% | 37.48% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Personal Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 7691.97 |  | 2.820% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  |  | 0.000 |  |  | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61804 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 15671.25 | $18532.80 | XXX | 3.878% | XXX | 3.499% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  | XXX | XXX |  |  |  | 32.67% | 32.67% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 15671.25 |  | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | Yes | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61829 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 4.250% | Yes |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.490 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61844 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 10754 | $12560.17 | XXX | 4.491% | XXX | 4.375% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  | XXX | XXX |  |  |  | 26.33% | 26.33% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 10754 |  | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61882 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7295 | $7989.58 | XXX | 4.306% | XXX | 4.250% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 35.19% | 35.19% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 7295 |  | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61877 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 28985 | $4023.54 | XXX | 4.141% | XXX | 4.125% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 21.81% | 21.81% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 28985 |  | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 108 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61885 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 17540 | $19312.75 | XXX | 3.903% | XXX | 3.750% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  | XXX | XXX |  |  |  | 12.26% | 12.26% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 17540 |  | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 48 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61717 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 10240 | $9480.21 | XXX | 3.603% | XXX | 3.500% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 26.19% | 26.19% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 24 Months Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 10240 |  | 3.060% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61782 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6886.75 | $8025.12 | XXX | 3.941% | XXX | 3.625% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 49.40% | 49.40% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Award Letter Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 6886.75 |  | 3.030% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | Yes | 5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61788 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5670 | $7260.63 | XXX | 3.563% | XXX | 3.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 35.65% | 35.65% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - 12 Business Bank Statements Verified \|\| Co Borrower - SECorporation - 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 5670 |  | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61790 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7003 | $8983.81 | XXX | 4.394% | XXX | 4.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 18.60% | 18.60% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 0.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 7003 |  | 3.200% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  |  | 0.000 |  |  | No | Yes | 118 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61792 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 12250 | $15454.55 | XXX | 4.147% | XXX | 4.125% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 12.63% | 12.63% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 50.00% |  |  | Borrower - 12 Personal Bank Statements Verified \|\| Co Borrower - 12 Personal Bank Statements Verified | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 12250 |  | 3.200% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61688 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 11470 | $12857.74 | XXX | 3.745% | XXX | 3.625% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 45.17% | 45.17% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 11470 |  | 2.930% |  | 1.4 |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61842 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 12324 | $12465.33 | XXX | 4.327% | XXX | 4.125% | No | No | Self-Employed | Unknown |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 30.89% | 30.89% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | 4 - Verified 2+ Mos | 4 - Verified 2+ Mos |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% | 100.00% |  | Borrower - N/A - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower - N/A - CPA Letter Verified | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 12324 |  | 3.030% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61737 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 35612.5 | $37336.53 | XXX | 3.737% | XXX | 3.500% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 9.94% | 9.94% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 35612.5 |  | 3.040% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 120 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61816 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 10546.83 | $11164.06 | XXX | 3.346% | XXX | 3.125% | No |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 36.11% | 36.11% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 10546.83 |  | 3.140% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61800 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 4.000% | Yes |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.170 |  |  | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61880 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 10295 | $13525.00 | XXX | 4.287% | XXX | 4.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 37.47% | 37.47% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 10295 |  | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67026 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.930 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 66837 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.250% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 6 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 2.090 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67018 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.749% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.190 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66990 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.999% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified \|\| Co Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 0.800 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67074 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  |  | 1.230 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 66966 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  |  | 1.030 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68597 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 6.625% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXX | XXX | XXX | XXX | 1 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  |  | 1.590 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68611 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 6.125% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.230 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68603 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 6.749% | Yes | Yes | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 35.52% | 35.52% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 62 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68727 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6591.9 | $8456.93 | XXX | 7.697% | XXX | 7.375% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 17.35% | 17.35% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Personal Bank Statements Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 6591.9 |  | 5.620% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  |  | 0.000 |  |  | No | Yes | 156 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68600 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.000% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 4 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 10.00% |  |  | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 1.940 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68557 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 11.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 0.990 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68573 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.820 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68617 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.960 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68571 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.750 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68622 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.125% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.990 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68601 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.000% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.310 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68619 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.125% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.070 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68602 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.625% | Yes | Yes | Not Employed |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.970 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68621 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.125% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.040 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68607 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.000% | Yes | Yes | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 12.91% | 12.91% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 33.00% |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68547 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.625% | Yes | Yes | Not Employed | Not Employed | Not Employed |  |  |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A \|\| Co Borrower - N/A \|\| Co Borrower 2 - N/A | Borrower \|\| Co Borrower \|\| Co Borrower 2 | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.090 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68644 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.000% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.540 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68647 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.750% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified \|\| Co Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 0.550 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69275 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 0.740 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68684 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.500% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.080 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68685 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.500% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  |  | 1.080 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68625 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.375% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 12.99% | 12.99% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68662 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.624% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.040 |  | Closed End | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68675 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.130 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68700 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.124% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 38.87% | 38.87% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 240 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68710 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.210 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68716 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 0.960 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68681 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 20015 | $24135.26 | XXX | 9.037% | XXX | 8.874% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 38.98% | 38.98% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 20015 |  | 6.790% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68701 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 38795 | $40601.75 | XXX | 9.443% | XXX | 9.374% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 15.35% | 15.35% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 38795 |  | 6.790% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  | N/A | 0.000 |  |  | No | Yes | 12 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68570 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 10.000% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 0.910 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68578 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.730 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68580 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | 4 - Verified 2+ Mos | 4 - Verified 2+ Mos |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.220 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68589 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.840 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68620 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.040 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68561 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 3 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.740 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68574 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.050 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68581 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified \|\| Co Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.070 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68587 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.320 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68618 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 3 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.650 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68627 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 3.750 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68642 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.150 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68643 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 2.760 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68652 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.375% | Yes |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 30.27% | 30.27% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, Lease Agreements Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | Yes | 12 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68664 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.500% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.010 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68669 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 10.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68674 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.500% | Yes | Yes | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.280 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68694 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes | Yes | Self-Employed | Self-Employed | Not Employed |  |  |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 5.97% | 5.97% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  | 1 - Not Stated Not Verified |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - N/A - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - N/A - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower 2 - N/A | Borrower \|\| Co Borrower \|\| Co Borrower 2 | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 36 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68688 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes | Yes | Self-Employed | Self-Employed | Not Employed |  |  |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 5.71% | 5.71% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  | 1 - Not Stated Not Verified |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | No | Yes | 12 | Business | 100.00% | 0.00% | 50.00% |  | Borrower - N/A - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - N/A - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower 2 - N/A | Borrower \|\| Co Borrower \|\| Co Borrower 2 | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68687 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes | Yes | Self-Employed | Self-Employed | Not Employed |  | 6.00 |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 3.35% | 3.35% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXX |  | 1 - Not Stated Not Verified |  | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns |  | 3 - Stated, 3rd Party Verification |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower 2 - SESoleProprietor - Business Bank Statements Verified | Borrower \|\| Co Borrower \|\| Co Borrower 2 | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68689 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 5.46% | 5.46% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, 3 YRS IRS Transcripts Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, 3 YRS IRS Transcripts Verified, Business Bank Statements Verified | Borrower - 3 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS IRS Transcripts Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 3 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68693 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes | Yes | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 3.03% | 3.03% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68696 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 5.21% | 5.21% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68690 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 5.51% | 5.51% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 0.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 36 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68657 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5034.35 | $5725.80 | XXX | 8.034% | XXX | 7.625% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 34.51% | 34.51% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  | Borrower Prepared | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 5034.35 |  | 6.380% |  |  |  | No |  |  | No |  | 0 | 0 | 2 | 0 | 1 | 0 |  |  | 9 |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68661 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 11173.05 | $15068.17 | XXX | 9.044% | XXX | 8.750% | No | No | Employed | Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 50.23% | 50.23% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | XXX | XXX | XXX | XXX | 1 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 11173.05 |  | 6.380% |  |  |  | No |  |  | No |  | 2 | 2 | 0 | 0 | 1 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | Yes | 84 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68568 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.750% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 15.99% | 15.99% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 0.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68616 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 0.760 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68626 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.375% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 18.35% | 18.35% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 12 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68695 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes | Yes | Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 33.14% | 33.14% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, Lease Agreements Verified, 1040 Schedule E Verified \|\| Co Borrower | Borrower - Executed 4506T Verified, 1040 Schedule E Verified \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | Yes | 14 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68698 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.499% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 27.69% | 27.69% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 84 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68699 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 4 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX | XXX | XXX | XXX | 1 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 0.900 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68708 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.920 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68713 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.750% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 9.00% | 9.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68717 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.250% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 4.93% | 4.93% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68550 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 6 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.600 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68686 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 5.87% | 5.87% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA | 0 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68668 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.840 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68679 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.280 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68677 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.010 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68678 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.920 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69278 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.125% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  |  | 0.750 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68546 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  |  | 1.150 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68560 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 0.890 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68641 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.000% | Yes | Yes | Employed | Employed |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 47.42% | 47.42% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, Lease Agreements Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, Lease Agreements Verified | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 1 | 2 | 0 | 1 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | Yes | 20 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68667 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  | N/A | 0.930 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68671 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.020 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68697 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.090 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68703 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.050 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68714 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 0.990 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68722 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 16299 | $24294.58 | XXX | 7.887% | XXX | 7.750% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 47.63% | 47.63% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Qualifying DTI Exceeds 43% | 16299 |  | 7.000% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68548 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 11.125% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.460 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68592 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 2.280 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68593 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 10.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.010 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68604 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 6.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 3 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.350 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68606 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.750% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.060 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68609 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  |  | 1.240 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68549 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 7.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 8 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  | $0.00 |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.010 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68712 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.750% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified \|\| Co Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.090 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 68724 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.750% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 4 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified \|\| Co Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 3.360 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69423 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.125% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  |  |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 0.690 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69286 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.750% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  |  | 0.740 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68715 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.125% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.540 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69295 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.999% | Yes | Yes | Self-Employed | Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 47.74% | 47.74% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% | 0.00% |  | Borrower - Wage - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69425 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.625% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 49.29% | 49.29% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 12 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69325 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 11.125% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | XXX | XXX |  |  |  |  | $0.00 |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.800 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69338 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 10.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | XXX | XXX |  |  |  |  | $250.00 |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.680 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69256 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.750% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  | XXX | XXX |  |  |  | 48.94% | 48.94% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  | $0.00 |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 60 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69424 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 9396.56 | $10716.31 | XXX | 9.924% | XXX | 9.500% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 44.61% | 44.61% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 1.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXX | XXX | XXX | XXX | 1 |  | XXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 9396.56 |  | 6.740% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | Yes | 5 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69321 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5174 | $6823.22 | XXX | 10.653% | XXX | 10.500% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 41.73% | 41.73% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | XXX | XXX | Appendix Q Documentation | 5174 |  | 7.030% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 0.000 |  |  | No | Yes | 24 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69326 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 10.250% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 40.78% | 40.78% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 120 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69281 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.375% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  | $0.00 |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.050 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69310 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4777 | $6403.04 | XXX | 11.887% | XXX | 11.750% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 50.45% | 50.45% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Personal Bank Statements Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  |  |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 4777 |  | 7.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  |  | N/A | 0.000 |  |  | No | Yes | 24 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69306 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 10.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.020 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69358 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 1.040 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69349 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 13727 | $16699.32 | XXX | 10.386% | XXX | 9.999% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 14.13% | 14.13% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 13727 |  | 7.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69300 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | Yes | 4321 | $5658.62 | XXX | 10.643% | XXX | 10.499% | No |  | Retired |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 38.96% | 38.96% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - SSI and Disability, Retirement, Other - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 4321 |  | 7.030% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69305 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8390 | $14824.39 | XXX | 9.070% | XXX | 8.990% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 48.73% | 48.73% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Investment Income - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 8390 |  | 7.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 36 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69344 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No |  | $6520.77 | XXX | 10.166% | XXX | 9.750% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 48.06% | 48.06% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 5635 |  | 7.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 72 | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69364 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 10.249% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.070 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69328 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  |  |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  | $10741.52 |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 1.020 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69339 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.750% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 50.96% | 50.96% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 36 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69329 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 1.030 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69384 |  |  | ATR/QM: Not Applicable | XXX | No | Yes | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.125% | Yes |  | Retired |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 21.87% | 21.87% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - Retirement, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69346 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.500% | Yes |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 1.140 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69327 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  | $0.00 |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.250 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69336 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 16295 | $19834.75 | XXX | 10.193% | XXX | 11.999% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 40.54% | 40.54% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 16295 |  | 6.950% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 240 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69363 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.125% | Yes |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| 69368 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.500% | Yes |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 36.25% | 36.25% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 1040 Schedule E Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 0 | 2 | 0 | 1 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | Yes | 276 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69307 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 21920 | $24828.88 | XXX | 9.730% | XXX | 9.375% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 44.30% | 44.30% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Other REO Net Rental Income(Loss), SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 21920 |  | 7.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69288 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8925 | $11584.83 | XXX | 10.208% | XXX | 9.875% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 37.34% | 37.34% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 8925 |  | 6.740% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 36 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69260 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7815 | $9188.75 | XXX | 8.955% | XXX | 8.625% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 37.74% | 37.74% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - Asset Depletion, SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 7815 |  | 7.030% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  |  |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69351 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5675 | $0.00 | XXX | 9.459% | XXX | 9.125% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 47.23% | 47.23% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  |  |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 5675 |  | 6.470% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69264 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5707 | $6797.20 | XXX | 10.286% | XXX | 9.875% | No |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 37.77% | 37.77% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | XXX | XXX | Appendix Q Documentation | 5707 |  | 6.630% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69416 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 22810.63 | $31889.81 | XXX | 9.559% | XXX | 9.375% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  | XXX | XXX |  |  |  | 38.26% | 38.26% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Investment Income - CPA Letter Verified, Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 22810.63 |  | 6.370% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 48 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69378 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.030 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69418 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No |  | $8419.06 | XXX | 9.010% | XXX | 8.750% | No |  | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 40.87% | 40.87% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Written VOE Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  |  |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 7105 |  | 6.370% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | Yes | 24 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69362 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.990% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.910 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69347 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.750% | Yes | Yes | Not Employed | Not Employed | Not Employed | Not Employed |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified \|\| Co Borrower 3 - 2 YRS Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified \|\| Co Borrower 3 - 2 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  |  |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 2.240 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |
| 69367 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.125% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  |  |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  | $356260.00 |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.940 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69370 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 2471.19 | $2821.27 | XXX | 9.326% | XXX | 9.125% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 48.67% | 48.67% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 2471.19 |  | 6.630% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  |  |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69379 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 0.460 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69411 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.000% | Yes |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.180 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69262 |  |  | ATR/QM: Not Applicable | XXX | No | Yes | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.375% | Yes |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 41.43% | 41.43% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - null Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - null Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 0 |  | 0 | 2 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | Yes | 6 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69405 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 10655 | $11302.00 | XXX | 9.698% | XXX | 9.250% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 22.00% | 22.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  |  |  | 1 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 10655 |  | 6.370% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69377 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69380 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.520 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69382 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.010 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69385 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.350 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69387 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69396 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 26476.25 | $28726.28 | XXX | 9.312% | XXX | 9.125% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 10.30% | 10.30% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 26476.25 |  | 6.470% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 204 | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69401 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69403 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.500% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.040 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69406 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.250% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  |  |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  | $183500.00 |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69410 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4795 | $5400.55 | XXX | 10.320% | XXX | 9.999% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 35.57% | 35.57% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX | Appendix Q Documentation | 4795 |  | 6.370% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69381 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.250% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower - Missing Executed 4506T Verified | Borrower \|\| Co Borrower - Missing Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  |  |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.020 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69391 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.030 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69386 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.125% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 35.41% | 35.41% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 3 | Business | 100.00% | 100.00% |  | Borrower Prepared | Borrower - Wage, SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 2 | 0 | 2 | 2 | 3 | 0 |  | 3 | 11 |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69412 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 |  | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.010 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69365 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.000% | Yes |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower | Borrower | XXX |  |  |  |  |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.020 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69394 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.210 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69400 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.500% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 35.66% | 35.66% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  | $255950.00 |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  |  | 0.960 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69409 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.050 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69334 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.625% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 28.79% | 28.79% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 3 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69345 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.875% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 30.73% | 30.73% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 |  |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69357 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.375% | Yes |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69376 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.500% | Yes |  | Retired |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 39.07% | 39.07% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - SSI and Disability, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Executed 4506T Verified, Award Letter Verified - 2022 | Borrower - Executed 4506T Verified - 2022 | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69383 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 0.850 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69419 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.500% | Yes |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.860 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69375 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.875% | Yes | Yes |  |  |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower | Borrower | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.090 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69390 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.625% | Yes |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.040 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69395 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.880 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69402 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 10.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69415 |  |  | ATR/QM: Not Applicable | XXX | No | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.000 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69404 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.125% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 21.92% | 21.92% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.960 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 69417 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.624% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 46.31% | 46.31% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Written VOE Verified, Executed 4506T Verified, Business Bank Statements Verified - 2022 | Borrower - Executed 4506T Verified - 2022 | XXX |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  |  | 0.000 |  |  | No | Yes | 24 | Yes | 24 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69422 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 8.999% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 1.080 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69421 |  |  | ATR/QM: Not Applicable | XXX | Yes | No | Not Tested | $Not Tested |  | Not Tested% | XXX | 9.000% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - N/A - 3 YRS Executed 4506T Verified \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXX | XXX |  |  |  |  | $0.00 |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 |  |  |  |  | 1.030 |  |  | No | NA |  | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.03

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.03** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| 61813 |  | A | Closed | FPRO1244 | 2021-12-21 02:03 | 2021-12-27 14:37 | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/21/2021 |  | Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/27/2021 <br> Open-. - Due Diligence Vendor-12/22/2021 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 60597 |  | D A C | Closed | FPRO1244 | 2021-12-09 11:42 | 2021-12-17 15:23 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-12/09/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/07/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/07/2021 | Ready for Review-Canopy valuation process - to order product - Seller-12/09/2021<br>| Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 60597 |  | D A C | Closed | FCRE1168 | 2021-12-09 13:40 | 2021-12-10 09:55 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Confirmed sufficient replacement cost coverage is in effect per insurer's anticipated cost to rebuild. - Due Diligence Vendor-12/10/2021 <br> Ready for Review-Document Uploaded. Please review the RCE from the Ins Agent - thank you - Seller-12/09/2021 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of XXX - Due Diligence Vendor-12/08/2021 | Ready for Review-Document Uploaded. Please review the RCE from the Ins Agent - thank you - Seller-12/09/2021<br>| Resolved-Confirmed sufficient replacement cost coverage is in effect per insurer's anticipated cost to rebuild. - Due Diligence Vendor-12/10/2021<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 61707 |  | D A | Closed | FPRO1244 | 2021-12-14 18:53 | 2021-12-17 11:13 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/14/2021 |  | Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/17/2021 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61707 |  | D A | Closed | FPRO7466 | 2021-12-15 11:45 | 2021-12-17 11:09 | Resolved | 1 - Information C A | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Resolved-AVM Value(s) Does Adhere To Tolerance Criteria (AVM Confidence Score is null and Post-Close Reviewed Appraised Property Value Variance is 4.44%) - Due Diligence Vendor-12/17/2021 <br>Open-AVM Value(s) Do Not Adhere To Tolerance Criteria (AVM Confidence Score is 87 and Post-Close Reviewed Appraised Property Value Variance is -71.76%) - Due Diligence Vendor-12/15/2021 |  | Resolved-AVM Value(s) Does Adhere To Tolerance Criteria (AVM Confidence Score is null and Post-Close Reviewed Appraised Property Value Variance is 4.44%) - Due Diligence Vendor-12/17/2021<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61739 |  | D A | Closed | FPRO1244 | 2021-12-17 11:47 | 2021-12-27 16:02 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/27/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-12/17/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/14/2021 | Ready for Review-Canopy valuation process - to order product - Seller-12/17/2021<br>| Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/27/2021 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61729 |  | D A | Closed | FPRO1244 | 2021-12-20 11:42 | 2021-12-21 09:41 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/21/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-12/20/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/15/2021 | Ready for Review-Canopy valuation process - to order product - Seller-12/20/2021<br>| Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/21/2021 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61729 |  | D A | Closed | FCOM1220 | 2021-12-20 18:37 | 2021-12-21 09:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-Deed of Trust provided at resubmission. - Due Diligence Vendor-12/21/2021 <br>Ready for Review-Document Uploaded. Please review closing package for DOT - thank you. - Seller-12/20/2021 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/16/2021 | Ready for Review-Document Uploaded. Please review closing package for DOT - thank you. - Seller-12/20/2021<br>| Resolved-Deed of Trust provided at resubmission. - Due Diligence Vendor-12/21/2021<br>|  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61736 |  | D A | Closed | FPRO1244 | 2021-12-20 11:32 | 2021-12-21 09:45 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/21/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-12/20/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/15/2021 | Ready for Review-Canopy valuation process - to order product - Seller-12/20/2021<br>| Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/21/2021 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61903 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 61684 |  | A B | Closed | FCOM1270 | 2022-03-24 18:20 | 2023-03-09 18:08 | Acknowledged | 2 - Non-Material C B | Compliance | Disclosures (Federal, State, and Data Dependent) | ARM Disclosure Not Provided Within 3 Days of Application Date | Unable to Resolve-received confirmation that Sellers agrees with the finding, no resolution. - Due Diligence Vendor-03/25/2022 <br> Unable to Resolve-Unable to Resolve-Sellers agrees with the finding, no resolution. - Seller-03/24/2022 <br> Counter-Received COC and Revised LE showing product change. However, this does not resolved this finding. It appears that the ARM Disclosure was not provided within 3 days of the product change. Per the DocMagic List of Documents the ARM Disclosure is not one of the documents provided. The file only contains the ARM Disclosure provided and signed at consummation. - Due Diligence Vendor-12/30/2021 <br> Ready for Review-Document Uploaded. QC response: CHARM booklet wasn't sent within 3 days of application bc this loan was submitted & originally approved as Fixed-Rate loan. We sent CHARM booklet with re-disclosure package dated XXXX, as this was when CIC indicates that loan switched from Fixed-Rate to ARM. Please review the acknowledged re-disclosure package along with CIC indicating the change - thank you. - Seller-12/28/2021 <br> Open-ARM Disclosure Not Provided Within 3 Days of Application Date \*\*\*\*\* No proof of doc sent date located in the file. Only found the final signed disclosure. - Due Diligence Vendor-12/21/2021 <br> Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-12/21/2021 | Unable to Resolve-Unable to Resolve-Sellers agrees with the finding, no resolution. - Seller-03/24/2022 <br> Ready for Review-Document Uploaded. QC response: CHARM booklet wasn't sent within 3 days of application bc this loan was submitted & originally approved as Fixed-Rate loan. We sent CHARM booklet with re-disclosure package dated XXXX, as this was when CIC indicates that loan switched from Fixed-Rate to ARM. Please review the acknowledged re-disclosure package along with CIC indicating the change - thank you. - Seller-12/28/2021 |  |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| 61711 |  | D A | Closed | FPRO1244 | 2021-12-21 10:49 | 2021-12-27 15:53 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/27/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-12/21/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/20/2021 | Ready for Review-Canopy valuation process - to order product - Seller-12/21/2021<br>| Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/27/2021 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 61799 |  | C A | Closed | finding-3634 | 2022-04-08 18:26 | 2022-04-11 15:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved- \*\*\*Received PCCD issued 1/3/22. - Due Diligence Vendor-04/11/2022 <br> Ready for Review-Document Uploaded. Please review comments from QC: Clerical error, an updated PCCD was sent on 01/03/2022 removing the Credit Report fee of XXX. The fee was ever charged to the borrower. Thank you. - Seller-04/08/2022 <br> Counter-Received explanation. Section B has a Credit Report fee paid to Credit Plus for XXX, Section H also has a Credit Report Fee paid to Credit Plus in the amount of XXX for a total of XXX. The increase fail is due to the additional XXX. - Due Diligence Vendor-01/31/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/10/2022 <br> Ready for Review-Please review comment from QC: <br>XXX appraisal fee is on the brokers LE, only in file to prove TRID compliance on appraisal timing, should be disregarded for tolerance testing. <br>XXX is from a credit report invoice from a prior transaction. Not our credit pull, not used to make a credit decision, and not disclosed on XXXX's LE/CD. The XXX level disclosed by XXXX was unchanged through the whole transaction. <br>Thank you. - Seller-01/28/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*It appears the appraisal fee increased on XXX by XXX without evidence in the loan file of the increased fee. - Due Diligence Vendor-12/20/2021 | Ready for Review-Document Uploaded. Please review comments from QC: Clerical error, an updated PCCD was sent on XXX removing the Credit Report fee of XXX The fee was ever charged to the borrower. Thank you. - Seller-04/08/2022 <br> Ready for Review-Please review comment from QC: <br>XXX appraisal fee is on the brokers LE, only in file to prove TRID compliance on appraisal timing, should be disregarded for tolerance testing. <br>XXX is from a credit report invoice from a prior transaction. Not our credit pull, not used to make a credit decision, and not disclosed on XXX LE/CD. The XXX level disclosed by XXX was unchanged through the whole transaction. <br>Thank you. - Seller-01/28/2022 | Resolved- \*\*\*Received PCCD issued XXX. - Due Diligence Vendor-04/11/2022 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 61799 |  | C A | Closed | finding-3631 | 2022-04-11 12:39 | 2022-04-11 15:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Ready for Review-Document Uploaded. Please review comments from QC: Clerical error, an updated PCCD was sent on 01/03/2022 removing the Credit Report fee of XXX. The fee was ever charged to the borrower. Thank you. - Seller-04/11/2022 <br> Open-\*\*\*Received updated Final CD and PCCD. The Appraisal fee increased by XXX and the Credit Report Fee increased by XXX from Initial LE baseline. Unable to locate valid COC. Please provide COC or proof of cure. - Due Diligence Vendor-01/10/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Appraisal Fee went from XXX to XXX on 11/02/21 with No Change in Circumstance and no Lender Credit for the Increase in Zero Tolerance Fee. - Due Diligence Vendor-12/21/2021 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/20/2021 | Ready for Review-Document Uploaded. Please review comments from QC: Clerical error, an updated PCCD was sent on XXX removing the Credit Report fee of XXX. The fee was ever charged to the borrower. Thank you. - Seller-04/11/2022 |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 61799 |  | C A | Closed | finding-3632 | 2022-04-11 12:39 | 2022-04-11 15:26 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Ready for Review-Document Uploaded. Please review comments from QC: Clerical error, an updated PCCD was sent on XXXX removing the Credit Report fee of XXX. The fee was ever charged to the borrower. Thank you. - Seller-04/11/2022 <br> Open-\*\*\*Received updated Final CD and PCCD. The Appraisal fee increased by XXX and the Credit Report Fee increased by XXX from Initial LE baseline. Unable to locate valid COC. Please provide COC or proof of cure. - Due Diligence Vendor-01/10/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Appraisal Fee went from XXX to XXX on XXX with No Change in Circumstance and no Lender Credit for the Increase in Zero Tolerance Fee. - Due Diligence Vendor-12/21/2021 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/20/2021 | Ready for Review-Document Uploaded. Please review comments from QC: Clerical error, an updated PCCD was sent on XXX removing the Credit Report fee of XXX. The fee was ever charged to the borrower. Thank you. - Seller-04/11/2022 |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 61812 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Rate and Term |  |  |
| 61787 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 61838 |  | D A | Closed | FPRO1244 | 2021-12-27 11:39 | 2021-12-27 14:31 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/27/2021 <br> Ready for Review-Canopy valuation process - to order product. - Seller-12/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/21/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-12/27/2021<br>| Resolved-Received desk review showing value of XXX and variance of 0.0%. - Due Diligence Vendor-12/27/2021 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 61758 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 61811 |  | D A | Closed | FPRO1244 | 2021-12-28 11:24 | 2021-12-29 10:25 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-AVM received. - Due Diligence Vendor-12/29/2021 <br>Ready for Review-Document Uploaded. Please review AVM w/in tolerance and threshold - thank you. - Seller-12/28/2021 <br>Open-3Rd party product missing from loan file. - Due Diligence Vendor-12/28/2021 | Ready for Review-Document Uploaded. Please review AVM w/in tolerance and threshold - thank you. - Seller-12/28/2021<br>| Resolved-AVM received. - Due Diligence Vendor-12/29/2021<br>|  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61824 |  | D A | Closed | FPRO1244 | 2021-12-28 11:28 | 2022-01-11 10:02 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-12/28/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/21/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-12/28/2021<br>| Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 61826 |  | A | Closed | FPRO1244 | 2022-01-04 16:55 | 2022-01-20 19:43 | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/21/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/04/2022 <br> Open-Desk review is required per program. - Due Diligence Vendor-01/04/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-01/04/2022<br>| Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/21/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 61834 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 61836 |  | D A | Closed | FPRO1244 | 2021-12-27 17:10 | 2022-01-11 09:31 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-01/11/2022 <br> Ready for Review-Canopy valuation process - to order product - Seller-12/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/21/2021 | Ready for Review-Canopy valuation process - to order product - Seller-12/27/2021<br>| Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-01/11/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61840 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 61793 |  | D A | Closed | FCOM7741 | 2022-01-06 19:06 | 2022-01-07 11:27 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Contact Information (page 5) is incomplete | Resolved-Received Final Settlement Statment - Due Diligence Vendor-01/07/2022 <br> Ready for Review-Document Uploaded. This was a business purpose loan (non-TRID) and original CD was generated in error (non-applicable). Correct settlement statement attached for your reference if it is needed, thank you. - Seller-01/07/2022 <br> Counter-Received closing package that includes the same incomplete CD. Settlement Statement on page XXX has issued date of XXX but Settlement date of XXX and missing disbursement date. Consummation took place XXX. - Due Diligence Vendor-01/04/2022 <br> Ready for Review-Document Uploaded. Please review closing package which includes borrower's settlement statement - thank you.. - Seller-01/04/2022 <br> Counter-Received Settlement Statement document for non-subject property. The file contains a Closing Disclosure that appears to be the Final CD but is missing page 5 (signature page). If the Closing Disclosure was executed at consummation please provide a copy with all pages, if not, please provide a copy of the Settlement Statement executed at consummation. - Due Diligence Vendor-12/30/2021 <br> Ready for Review-Document Uploaded. This was a business purpose loan, FSS was used to close - thank you. - Seller-12/29/2021 <br> Open-\*\*\* page 5 of final cd appears to be missing - Due Diligence Vendor-12/23/2021 | Ready for Review-Document Uploaded. This was a business purpose loan (non-TRID) and original CD was generated in error (non-applicable). Correct settlement statement attached for your reference if it is needed, thank you. - Seller-01/07/2022 <br>Ready for Review-Document Uploaded. Please review closing package which includes borrower's settlement statement - thank you.. - Seller-01/04/2022 <br>Ready for Review-Document Uploaded. This was a business purpose loan, FSS was used to close - thank you. - Seller-12/29/2021<br>| Resolved-Received Final Settlement Statment - Due Diligence Vendor-01/07/2022<br>|  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 61793 |  | D A | Closed | FCOM1477 | 2021-12-23 15:27 | 2021-12-28 12:26 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided Yes - Due Diligence Vendor-12/28/2021 <br>Open-Evidence of Rate Lock Missing No \*\* Rate lock appears to be missing from file - Due Diligence Vendor-12/23/2021 |  | Resolved-Evidence of Rate Lock Provided Yes - Due Diligence Vendor-12/28/2021<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 61682 |  | D A | Closed | FPRO1244 | 2021-12-28 14:55 | 2022-01-11 10:10 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-12/28/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/23/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-12/28/2021<br>| Resolved-Desk review provided with a value ofXXX or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 61804 |  | D A C | Closed | FPRO1244 | 2021-12-28 14:37 | 2022-01-20 19:50 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-01/21/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-12/28/2021 <br> Open-3rd Party Product missing from loan file. . - Due Diligence Vendor-12/28/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-12/28/2021<br>| Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-01/21/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 61829 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 61844 |  | A | Closed | FVAL1310 | 2022-07-07 22:41 | 2022-07-11 11:07 | Resolved | 1 - Information A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-07/11/2022 <br>Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-07/08/2022 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-07/11/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 61882 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 61877 |  | A | Closed | FCRE2502 | 2022-07-08 13:16 | 2022-07-11 11:10 | Resolved | 1 - Information A | Credit | Eligibility | Transaction is not arm's length | Resolved- - Due Diligence Vendor-07/11/2022 <br>Open-Non-Arm's Length Transaction - Due Diligence Vendor-07/08/2022 |  | Resolved- - Due Diligence Vendor-07/11/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 61885 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 61717 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other |  |  |
| 61782 |  | D A | Closed | FCOM3959 | 2022-01-24 14:48 | 2022-01-24 16:10 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Other Disclosure Section (page 5) is incomplete | Resolved-received copy of addendum to the cd - Due Diligence Vendor-01/24/2022 <br> Ready for Review-Document Uploaded. Please review the FInal CD showing the payoffs and payments. Thank you. - Seller-01/24/2022 <br> Counter-Please provide payoff details page of the Final CD. On page 3 of section K, the Payoffs and Payments indicate to "See attached page for details". - Due Diligence Vendor-01/20/2022 <br> Ready for Review-Please review the statement from QC: <br> Section K on page 3. shows final payoffs at XXX which corresponds to referenced addendum. <br>Thank you. - Seller-01/19/2022 <br> Open-Missing Payoff/Payments attachment. Final CD page XXX Section XXX-Payoffs and Payments- See attached page for details of XXX - Due Diligence Vendor-12/30/2021 | Ready for Review-Document Uploaded. Please review the FInal CD showing the payoffs and payments. Thank you. - Seller-01/24/2022 <br> Ready for Review-Please review the statement from QC: <br> Section K on page 3. shows final payoffs at XXX which corresponds to referenced addendum. <br>Thank you. - Seller-01/19/2022 | Resolved-received copy of addendum to the cd - Due Diligence Vendor-01/24/2022<br>|  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 61782 |  | D A | Closed | FPRO1244 | 2022-01-03 12:08 | 2022-01-11 11:15 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/03/2022 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/29/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-01/03/2022<br>| Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 61788 |  | D A C | Closed | FPRO1244 | 2022-01-03 11:15 | 2022-01-11 11:13 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/03/2022 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/29/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-01/03/2022<br>| Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 61790 |  | D A | Closed | FPRO1244 | 2021-12-30 17:18 | 2022-01-11 11:10 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-12/30/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/29/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-12/30/2021<br>| Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 61792 |  | D A | Closed | FPRO1244 | 2022-01-03 12:09 | 2022-01-11 11:18 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/03/2022 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/29/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-01/03/2022<br>| Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/11/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61792 |  | D A | Closed | FCRE1201 | 2022-01-03 18:35 | 2022-01-05 00:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided at resubmission. - Due Diligence Vendor-01/05/2022 <br>Ready for Review-Document Uploaded. Please review the Fraud Report - thank you. - Seller-01/03/2022 <br>Open-Missing Third Party Fraud Report Fraud report not provided... - Due Diligence Vendor-12/29/2021 | Ready for Review-Document Uploaded. Please review the Fraud Report - thank you. - Seller-01/03/2022<br>| Resolved-Third Party Fraud Report provided at resubmission. - Due Diligence Vendor-01/05/2022<br>|  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61688 |  | D A | Closed | FPRO1244 | 2022-01-03 14:52 | 2022-02-03 15:12 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-02/03/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/03/2022 <br> Open-AVM confidence score of 63. Confidence score of 90 required. - Due Diligence Vendor-12/30/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-01/03/2022<br>| Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-02/03/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61842 |  | D A | Closed | FCRE1764 | 2022-01-05 18:48 | 2022-01-06 08:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Statement provided confirming payment for departure residence includes escrows. - Due Diligence Vendor-01/06/2022 <br> Ready for Review-Document Uploaded. Please review the mortgage statement for XXXX. - Seller-01/05/2022 <br> Open-Missing verification of PITIA for the following REO: XXXX<br> - Due Diligence Vendor-01/04/2022 | Ready for Review-Document Uploaded. Please review the mortgage statement for XXX. - Seller-01/05/2022 | Resolved-Statement provided confirming payment for departure residence includes escrows. - Due Diligence Vendor-01/06/2022<br>|  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 61737 |  | D A C | Closed | FPRO1244 | 2022-01-04 11:25 | 2022-01-31 15:36 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/31/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-01/04/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-01/04/2022<br>| Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-01/31/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61737 |  | D A C | Closed | FCRE1168 | 2022-01-05 13:33 | 2022-01-05 13:52 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Per updated RCE, amount of XXX is within policy limit of XXX, vs. original RCE which had placed cost at XXX. Sufficient coverage is therefore in place. - Due Diligence Vendor-01/05/2022 <br> Ready for Review-Document Uploaded. Please review correct RCE which is below policy coverage - thank you. - Seller-01/05/2022 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of XXX - Due Diligence Vendor-01/03/2022 | Ready for Review-Document Uploaded. Please review correct RCE which is below policy coverage - thank you. - Seller-01/05/2022<br>| Resolved-Per updated RCE, amount of XXX is within policy limit of XXX, vs. original RCE which had placed cost at XXX. Sufficient coverage is therefore in place. - Due Diligence Vendor-01/05/2022 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61816 |  | D A | Closed | FCRE1254 | 2022-01-26 17:18 | 2022-01-28 09:03 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Confirmed taxes paid at closing per CD and Final Title reflects all are current- issue resolved. - Due Diligence Vendor-01/28/2022 <br>Ready for Review-Document Uploaded. Please review the FTP for this loan - thank you. - Seller-01/26/2022 <br>Open-Property Title Issue Delinquent taxes - Due Diligence Vendor-01/04/2022 | Ready for Review-Document Uploaded. Please review the FTP for this loan - thank you. - Seller-01/26/2022<br>| Resolved-Confirmed taxes paid at closing per CD and Final Title reflects all are current- issue resolved. - Due Diligence Vendor-01/28/2022<br>|  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61816 |  | D A | Closed | FPRO1244 | 2022-01-06 15:04 | 2022-01-27 13:59 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-01/27/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-01/06/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-01/04/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-01/06/2022<br>| Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-01/27/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61816 |  | D A | Closed | FCRE1201 | 2022-01-06 15:04 | 2022-01-07 08:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided at resubmission. Items noted include the fact borrower refinanced in past three years, settlement agent and title agent are the same party, and that borrower's role with self-employed entity could not be confirmed. None of which are significant and property history is confirmed; item has been satisfied. - Due Diligence Vendor-01/07/2022 <br>Ready for Review-Document Uploaded. Please review the Fraud Report - thank you. - Seller-01/06/2022 <br>Counter-This condition is requesting the third party fraud report, not the CDA- please provide fully completed report with all flags addressed as applicable. Thank you! - Due Diligence Vendor-01/06/2022 <br>Ready for Review-Canopy valuation process - to order product. - Seller-01/06/2022 <br>Open-Missing Third Party Fraud Report Cannot be located in File. - Due Diligence Vendor-01/04/2022 | Ready for Review-Document Uploaded. Please review the Fraud Report - thank you. - Seller-01/06/2022 <br>Ready for Review-Canopy valuation process - to order product. - Seller-01/06/2022<br>| Resolved-Third Party Fraud Report provided at resubmission. Items noted include the fact borrower refinanced in past three years, settlement agent and title agent are the same party, and that borrower's role with self-employed entity could not be confirmed. None of which are significant and property history is confirmed; item has been satisfied. - Due Diligence Vendor-01/07/2022<br>|  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 61800 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 61880 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 67026 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 66837 |  | D A | Closed | FPRO1244 | 2022-08-02 19:20 | 2022-08-29 14:31 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review, after review variance is greater than 10%. New finding added. - Due Diligence Vendor-08/29/2022 <br>Ready for Review-Document Uploaded. Please review the CDA for this multifamily loan. Thank you. - Seller-08/25/2022 <br>Ready for Review-Acra has placed the CDA for this multifamily loan. We will deliver results as soon as it's delivered from the AMC. Thank you. - Seller-08/03/2022 <br>Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/02/2022 | Ready for Review-Document Uploaded. Please review the CDA for this multifamily loan. Thank you. - Seller-08/25/2022 <br> Ready for Review-XXX has placed the CDA for this multifamily loan. We will deliver results as soon as it's delivered from the XXX. Thank you. - Seller-08/03/2022 | Resolved-Received desk review, after review variance is greater than 10%. New finding added. - Due Diligence Vendor-08/29/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.19% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 67018 |  | D A | Closed | FPRO1244 | 2022-08-02 19:21 | 2022-11-09 10:10 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-11/09/2022 <br> Resolved-desk review provided XXX or -4.9% % variance . finding resolved - Due Diligence Vendor-08/08/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/03/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/02/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/03/2022<br>| Resolved-Document Uploaded. - Due Diligence Vendor-11/09/2022 <br> Resolved-desk review provided XXX or -4.9% % variance . finding resolved - Due Diligence Vendor-08/08/2022 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 66990 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 67074 |  | C A | Closed | FCOM8845 | 2022-08-08 10:35 | 2022-12-22 15:35 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-Document Uploaded. updated note and mortgage - Due Diligence Vendor-12/22/2022 <br>Counter-Prepayment penalties may not be charged on a "residential mortgage" after 5 years from the note date, and can be charged, but may not exceed 1% of original principal balance, before the 5 year period. See OH Rev. Code 1343.011(3) and OH Rev. Code 1343.011(3)(C) - Due Diligence Vendor-08/12/2022 <br>Ready for Review-Please provide some additional clarification on the finding, such as any statutes that are not being complied with. - Seller-08/11/2022 <br>Open-The subject property's state, OH, does not allow pre-payment penalties for Business Purpose loans. prepayment docs on page 338,369,452,477. Business Docs on page 400,532,536,546 - Due Diligence Vendor-08/08/2022 | Ready for Review-Please provide some additional clarification on the finding, such as any statutes that are not being complied with. - Seller-08/11/2022<br>| Resolved-Document Uploaded. updated note and mortgage - Due Diligence Vendor-12/22/2022<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 66966 |  | D A | Closed | FPRO1244 | 2022-08-08 20:16 | 2022-08-11 20:13 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value XXX or 0 % variance. finding resolved - Due Diligence Vendor-08/12/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-08/09/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/09/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/09/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-08/09/2022<br>| Resolved-desk review provided with value XXX or 0 % variance. finding resolved - Due Diligence Vendor-08/12/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68597 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68611 |  | D A | Closed | FPRO1244 | 2022-10-11 09:38 | 2022-10-13 13:29 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance finding resolved - Due Diligence Vendor-10/13/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-10/12/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/11/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-10/12/2022<br>| Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance finding resolved - Due Diligence Vendor-10/13/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 41.67% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68603 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68727 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 68600 |  | D A | Closed | FPRO1244 | 2022-10-28 09:20 | 2022-11-02 09:48 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. desk review provided with value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-11/02/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-10/31/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/28/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-10/31/2022<br>| Resolved-Document Uploaded. desk review provided with value of XXX or 0% variance. Finding resolved - Due Diligence Vendor-11/02/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68557 |  | D B A | Closed | FPRO1244 | 2022-10-28 09:20 | 2022-11-02 09:40 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance .finding resolved - Due Diligence Vendor-11/02/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-10/28/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/28/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-10/28/2022<br>| Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance .finding resolved - Due Diligence Vendor-11/02/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68557 |  | D B A | Closed | FCRE1200 | 2022-10-28 09:57 | 2022-10-28 16:02 | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Exception in the file-p.3 - Due Diligence Vendor-10/28/2022 |  | Acknowledged-Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Exception in the file-p.3 - Due Diligence Vendor-10/28/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| 68573 |  | D A | Closed | FCRE1201 | 2022-10-31 09:02 | 2022-11-01 09:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided at resubmission. Flags for potential additional REO held not of issue as names do not match. Lack of SSN is acceptable under Foreign National program. No additional documentation required. - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. Please review the fraud report - thank you. - Seller-10/31/2022 <br>Open-Missing Third Party Fraud Report CANNOT LOCATE FRAUD REPORT IN THE FILE - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. Please review the fraud report - thank you. - Seller-10/31/2022<br>| Resolved-Third Party Fraud Report provided at resubmission. Flags for potential additional REO held not of issue as names do not match. XXX is acceptable under XXX program. No additional documentation required. - Due Diligence Vendor-11/01/2022 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68617 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 68571 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 68622 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 68601 |  | D B C A | Closed | FCRE1159 | 2022-10-31 12:06 | 2022-11-15 08:08 | Acknowledged | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-File does not contain a copy of current insurance policy to confirm coverage in effect at the time of funding. Declarations page for policy which began two days post-closing indicates as New Business for this client and therefore confirmation of prior coverage could not be obtained. Investor accepts a statement from insurer that no claims were filed prior to Effective Date of new policy in lieu of proof of prior insurance detail. - Due Diligence Vendor-11/15/2022 <br> Ready for Review-Document Uploaded. Please note the email from the Insurance agent that there were no claims on the HOP between XXX. Thank you. - Seller-11/11/2022 <br> Open-Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. Please note the email from the Insurance agent that there were no claims on the XXX . Thank you. - Seller-11/11/2022 | Acknowledged-File does not contain a copy of current insurance policy to confirm coverage in effect at the time of funding. Declarations page for policy which began two days post-closing indicates as New Business for this client and therefore confirmation of prior coverage could not be obtained. Investor accepts a statement from insurer that no claims were filed prior to Effective Date of new policy in lieu of proof of prior insurance detail. - Due Diligence Vendor-11/15/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No |
| 68601 |  | D B C A | Closed | FPRO1244 | 2022-10-31 08:50 | 2022-11-11 12:58 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. CDA provided with a value of XXX or -3.4% variance. Finding resolved. - Due Diligence Vendor-11/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-10/31/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/31/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-10/31/2022<br>| Resolved-Document Uploaded. CDA provided with a value of XXX or -3.4% variance. Finding resolved. - Due Diligence Vendor-11/11/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 68619 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 68602 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68621 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 68607 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68547 |  | D A | Closed | FPRO1244 | 2022-11-01 13:06 | 2022-11-09 12:06 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance .finding resolved - Due Diligence Vendor-11/09/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/01/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/04/2022<br>| Resolved-Document Uploaded. desk review provided with value ofXXX or 0 % variance .finding resolved - Due Diligence Vendor-11/09/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 68644 |  | D B C A | Closed | FPRO1244 | 2022-11-01 13:06 | 2022-11-10 09:01 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance. finding resolved - Due Diligence Vendor-11/10/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/02/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/01/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/02/2022<br>| Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance. finding resolved - Due Diligence Vendor-11/10/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68644 |  | D B C A | Closed | FCRE1200 | 2022-11-01 17:08 | 2022-11-02 12:00 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Investor Exception issued for loan amount of XXX vs. program minimum of XXX. - Due Diligence Vendor-11/02/2022 <br> Ready for Review-Document Uploaded. Please review exception for loan limit - thank you. - Seller-11/02/2022 <br> Open-Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX No exception was provided. - Due Diligence Vendor-11/02/2022 | Ready for Review-Document Uploaded. Please review exception for loan limit - thank you. - Seller-11/02/2022<br>| Acknowledged-Investor Exception issued for loan amount of XXX vs. program minimum of XXX. - Due Diligence Vendor-11/02/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | 1.54 DSCR | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 68647 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69275 |  | D A | Closed | FPRO1244 | 2022-11-01 11:06 | 2022-11-04 10:43 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. desk review provided with value of XXX or -1.6% variance . finding resolved - Due Diligence Vendor-11/04/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/01/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/01/2022 <br> Open- - Due Diligence Vendor-11/01/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/01/2022<br>| Resolved-Document Uploaded. desk review provided with value of XXX or -1.6% variance . finding resolved - Due Diligence Vendor-11/04/2022 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68684 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 68685 |  | D A | Closed | FPRO1244 | 2022-11-01 13:06 | 2022-11-10 08:58 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance .finding resolved - Due Diligence Vendor-11/10/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/02/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/01/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/02/2022<br>| Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance .finding resolved - Due Diligence Vendor-11/10/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68625 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68662 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 68675 |  | D A | Closed | FPRO1244 | 2022-11-01 17:44 | 2022-11-10 09:07 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance .finding resolved - Due Diligence Vendor-11/10/2022 <br> Ready for Review-Canopy valuation - to order product. - Seller-11/03/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/01/2022 | Ready for Review-Canopy valuation - to order product. - Seller-11/03/2022<br>| Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance .finding resolved - Due Diligence Vendor-11/10/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68700 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68710 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68716 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68681 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 68701 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 68570 |  | D A | Closed | FPRO1244 | 2022-11-03 14:50 | 2022-11-11 13:49 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. CDA provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/03/2022 <br> Open-AVM not provided and required - Due Diligence Vendor-11/03/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/04/2022<br>| Resolved-Document Uploaded. CDA provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/11/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68578 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68580 |  | D A | Closed | FCOM1512 | 2022-11-03 11:22 | 2022-11-16 09:06 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved-Received executed Final Settlement Statement - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. Please review FSS per QC, business purpose loans do not fall under TRID - thank you. - Seller-11/15/2022 <br>Counter-Original file is missing a copy of the Final Settlement Statement. - Due Diligence Vendor-11/07/2022 <br>Ready for Review-This was a business-purpose loan that does not fall under TRID - thank you. - Seller-11/04/2022 <br>Open-NOT SIGNED - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. Please review FSS per QC, business purpose loans do not fall under TRID - thank you. - Seller-11/15/2022 <br>Ready for Review-This was a business-purpose loan that does not fall under TRID - thank you. - Seller-11/04/2022<br>| Resolved-Received executed Final Settlement Statement - Due Diligence Vendor-11/16/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68580 |  | D A | Closed | FPRO1244 | 2022-11-03 09:19 | 2022-11-10 09:14 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance .finding resolved - Due Diligence Vendor-11/10/2022 <br> Ready for Review-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/03/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/03/2022 <br> Open- - Due Diligence Vendor-11/03/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/03/2022<br>| Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance .finding resolved - Due Diligence Vendor-11/10/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68589 |  | D A | Closed | FPRO1244 | 2022-11-03 19:16 | 2022-11-11 13:54 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. CDA provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/11/2022 <br> Ready for Review-Canopy valuation issue - to order product. - Seller-11/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/03/2022 | Ready for Review-Canopy valuation issue - to order product. - Seller-11/04/2022<br>| Resolved-Document Uploaded. CDA provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/11/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68620 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 68561 |  | D A | Closed | FPRO1244 | 2022-11-03 19:16 | 2022-11-17 08:18 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. CDA received. - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Canopy valuation process - to order product. - Seller-11/07/2022 <br>Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/03/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/07/2022<br>| Resolved-Document Uploaded. CDA received. - Due Diligence Vendor-11/17/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68574 |  | B A | Closed | FCRE1200 | 2022-11-04 10:45 | 2022-11-07 07:49 | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount ofXXX Exception granted - Due Diligence Vendor-11/07/2022 |  | Acknowledged-Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Exception granted - Due Diligence Vendor-11/07/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals null<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 68581 |  | D A | Closed | FCOM1512 | 2022-11-04 15:18 | 2022-11-16 09:03 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved-Received executed Final Settlement Statement - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. Please review the FSS per QC, business purpose loans are not under TRID - thank you. - Seller-11/15/2022 <br>Open-Missing borrower signature - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. Please review the FSS per QC, business purpose loans are not under TRID - thank you. - Seller-11/15/2022<br>| Resolved-Received executed Final Settlement Statement - Due Diligence Vendor-11/16/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68581 |  | D A | Closed | FPRO1244 | 2022-11-03 19:16 | 2022-11-09 12:10 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance .finding resolved - Due Diligence Vendor-11/09/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/07/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/03/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/07/2022<br>| Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance .finding resolved - Due Diligence Vendor-11/09/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68587 |  | D A | Closed | FPRO1244 | 2022-11-03 19:16 | 2022-11-09 12:07 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. desk review provided with value of XXX and o % variance .finding resolved - Due Diligence Vendor-11/09/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/07/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/03/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/07/2022<br>| Resolved-Document Uploaded. desk review provided with value of XXX and o % variance .finding resolved - Due Diligence Vendor-11/09/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68618 |  | D A | Closed | FPRO1244 | 2022-11-03 19:16 | 2022-11-10 09:29 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance. finding resolved - Due Diligence Vendor-11/10/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/07/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/03/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/07/2022<br>| Resolved-Document Uploaded. desk review provided with value of XXX or 0 % variance. finding resolved - Due Diligence Vendor-11/10/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68627 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68642 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68643 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 68652 |  | D B A | Closed | FCRE7551 | 2022-11-04 13:58 | 2022-12-19 09:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Divorce Decree is missing | Resolved-Child support history provided at resubmission; lender used highest payment as most conservative approach to analysis and ratios remain in line- issue has been resolved. - Due Diligence Vendor-12/19/2022 <br> Ready for Review-Document Uploaded. Corrected Updated ULAW, Updated 1003, Child Support uploaded for review. Please disregard the previews uploaded document - Seller-12/17/2022 <br> Ready for Review-Updated ULAW, Updated 1003 along with Child Support uploaded for review - Seller-12/16/2022 <br> Counter-Explanation provided addresses the Exhibit listed on decree and states no support was ordered herein. However, still need a copy of the approved Order of Support due to deduction from checking account on XXX (page 108 in original submission) in the amount of XXX. If a regularly scheduled amount is assigned, verification of that payment is required to ensure ratios are correct. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Document Uploaded. Please review the letter from the borrower which explains the presence of Attachment A - thank you. - Seller-11/21/2022 <br> Counter-Decree provided indicates all financial matters, including division of assets and liabilities as well as spousal support agreement are listed on an Attachment A, however this page was not included. Please provide to validate ratios are correct. - Due Diligence Vendor-11/15/2022 <br> Ready for Review-Document Uploaded. Please review the divorce decree - thank you. - Seller-11/11/2022 <br> Open-Provide divorce decree as required due to child support withdrawn from asset account and to ensure no additional debt not noted. - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. Corrected Updated ULAW, Updated 1003, Child Support uploaded for review. Please disregard the previews uploaded document - Seller-12/17/2022 <br>Ready for Review-Updated ULAW, Updated 1003 along with Child Support uploaded for review - Seller-12/16/2022 <br>Ready for Review-Document Uploaded. Please review the letter from the borrower which explains the presence of Attachment A - thank you. - Seller-11/21/2022 <br>Ready for Review-Document Uploaded. Please review the divorce decree - thank you. - Seller-11/11/2022<br>| Resolved-Child support history provided at resubmission; lender used highest payment as most conservative approach to analysis and ratios remain in line- issue has been resolved. - Due Diligence Vendor-12/19/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 68652 |  | D B A | Closed | FCRE1440 | 2022-11-04 14:00 | 2022-11-15 08:59 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Acknowledged-Investor Exception issued to waive verification of primary housing payment history, private loan history on subject, and LTV to remain at 70%. - Due Diligence Vendor-11/15/2022 <br>Acknowledged-Housing History Does Not Meet Guideline Requirements Exception granted for housing history was not provided for the subject property. - Due Diligence Vendor-11/04/2022 |  | Acknowledged-Investor Exception issued to waive verification of primary housing payment history, private loan history on subject, and LTV to remain at 70%. - Due Diligence Vendor-11/15/2022 <br>Acknowledged-Housing History Does Not Meet Guideline Requirements Exception granted for housing history was not provided for the subject property. - Due Diligence Vendor-11/04/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Property meets all other standard program requirements; residence history evidenced satisfactorily; R/T refinance with borrower contributing funds to close after documented significant investment 60 days prior. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes |
| 68664 |  | D A | Closed | FPRO1244 | 2022-11-07 17:40 | 2022-11-28 16:53 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/09/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/07/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/09/2022<br>| Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68669 |  | D A | Closed | FPRO1244 | 2022-11-07 17:40 | 2022-11-16 21:36 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/17/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/09/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/07/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/09/2022<br>| Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/17/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68674 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68694 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68688 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68687 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68689 |  | D A | Closed | FCOM1512 | 2022-11-10 07:48 | 2022-11-28 17:01 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved-Received FSS - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. Please review the FSS from QC - thank you. - Seller-11/28/2022 <br>Open-Several settlement statements provided of which none are executed and/or certified. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. Please review the FSS from QC - thank you. - Seller-11/28/2022<br>| Resolved-Received FSS - Due Diligence Vendor-11/28/2022<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68693 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68696 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68690 |  | D A | Closed | FCOM1512 | 2022-11-10 09:20 | 2022-12-15 20:09 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved-received FSS - Due Diligence Vendor-12/16/2022 <br>Ready for Review-Document Uploaded. Signed FSS uploaded - Seller-12/14/2022 <br>Counter-Received executed copy of the estimated FSS. Please provide executed copy or closing agent certified copy of FINAL Settlement Statement. - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. Please review FSS from QC - thank you. - Seller-11/19/2022 <br>Open-Several settlement statements provided however none are executed by the borrower and/or certified by the closing agent. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. Signed FSS uploaded - Seller-12/14/2022 <br>Ready for Review-Document Uploaded. Please review FSS from QC - thank you. - Seller-11/19/2022<br>| Resolved-received FSS - Due Diligence Vendor-12/16/2022<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68657 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 68661 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other |  |  |
| 68568 |  | D A | Closed | FPRO1244 | 2022-11-09 11:42 | 2022-11-18 15:23 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/18/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/11/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/09/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/11/2022<br>| Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/18/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.81% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 68616 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 68626 |  | D A | Closed | FPRO1244 | 2022-11-09 11:42 | 2022-11-16 16:14 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. ARR provided with a value of XXX. Finding resolved. - Due Diligence Vendor-11/16/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/11/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/09/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/11/2022<br>| Resolved-Document Uploaded. ARR provided with a value of XXX. Finding resolved. - Due Diligence Vendor-11/16/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 68695 |  | D A | Closed | FPRO1244 | 2022-11-09 11:42 | 2022-11-18 15:34 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/18/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/15/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/09/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/15/2022<br>| Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/18/2022 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.5 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68698 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68699 |  | D A | Closed | FPRO1244 | 2022-11-09 11:42 | 2022-11-17 11:50 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review. - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Canopy valuation process - to order product. - Seller-11/15/2022 <br>Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/09/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/15/2022<br>| Resolved-Received desk review. - Due Diligence Vendor-11/17/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 80% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 68708 |  | D A | Closed | FCOM1232 | 2022-11-10 15:18 | 2022-12-09 07:11 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-Corrected Date for Final 1003 provided at resubmission. - Due Diligence Vendor-12/09/2022 <br> Ready for Review-Document Uploaded. Please review the signed Final 1003 page - thank you. - Seller-12/07/2022 <br> Open-The Final 1003 is Missing The 1003 executed by borrower has a print date of XXXX, missing executed final 1003. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. Please review the signed Final 1003 page - thank you. - Seller-12/07/2022<br>| Resolved-Corrected Date for Final 1003 provided at resubmission. - Due Diligence Vendor-12/09/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68708 |  | D A | Closed | FPRO1244 | 2022-11-11 09:33 | 2022-11-28 11:34 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/15/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/11/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/15/2022<br>| Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68713 |  | D A | Closed | FPRO1244 | 2022-11-09 11:42 | 2022-11-28 16:57 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/11/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/09/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/11/2022<br>| Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68717 |  | D A | Closed | FPRO1244 | 2022-11-09 11:42 | 2022-11-18 15:20 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/18/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/10/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/09/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/10/2022<br>| Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/18/2022 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.83 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68550 |  | A | Closed | FPRO1244 | 2022-11-17 17:22 | 2022-11-28 10:35 | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-received Desk Review - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. Please review the desk review for this loan - thank you. - Seller-11/22/2022 <br> Open-XXXX to provide CDA - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. Please review the desk review for this loan - thank you. - Seller-11/22/2022<br>| Resolved-received Desk Review - Due Diligence Vendor-11/28/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX Is Not Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals null<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Not Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68550 |  | A | Closed | FCRE7000 | 2022-11-15 12:45 | 2022-11-16 09:29 | Resolved | 1 - Information A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-11/16/2022 <br> Open-Total Liquid Assets Available for Close of XXX is less than Total Cash to Close XXX. DSCR LOAN - Due Diligence Vendor-11/15/2022 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-11/16/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX Is Not Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals null<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Not Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68686 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68668 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68679 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68677 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68678 |  | D A | Closed | FPRO1244 | 2022-11-11 09:23 | 2022-11-18 15:39 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/18/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/15/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/11/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/15/2022<br>| Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/18/2022 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.99% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3143091334894614 |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68678 |  | D A | Closed | FCOM1232 | 2022-11-11 10:20 | 2022-11-16 07:03 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-11/16/2022 <br> Ready for Review-Document Uploaded. Please review the Final 1003 - thank you. - Seller-11/15/2022 <br> Open-The Final 1003 is Missing Provide final 1003 executed by the borrower at closing, 11/2022. At the time of review only the initial 1003 was provided. - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. Please review the Final 1003 - thank you. - Seller-11/15/2022<br>| Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-11/16/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.99% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3143091334894614 |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 69278 |  | D A C | Closed | FCRE1443 | 2022-11-14 16:47 | 2022-11-30 09:51 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Expired | Resolved-Credit Memo revising cash to close documentation requirement provided and client has confirmed pipeline loans were eligible for this enhancement, therefore additional documentation not required. - Due Diligence Vendor-11/30/2022 <br> Ready for Review-Document Uploaded. Please review the XXX credit memo - thanks - Seller-11/29/2022 <br> Counter-The updated Credit Memorandum referenced has not yet been provided to the due diligence firm- please submit for review. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Please review comments from UW: Per credit memo from XXX, Guidelines Sec 8.4 on DSCR closing funds has been rewritten for clarity in that on DSCR loans the only time we need to verify funds is on LTVs greater than 70% where closing funds are in excess of XXX. Thank you. - Seller-11/18/2022 <br> Open-Asset 2 Expired Provide updated assets for Chase accounts as per guidelines, "If the amount of assets / funds to close is greater than XXX, it will be required to be documented regardless of LTV / CLTV." Borrowers were required to bring over XXX to closing and therefore updated assets are required. - Due Diligence Vendor-11/14/2022 | Ready for Review-Document Uploaded. Please review the XXX credit memo - thanks - Seller-11/29/2022 <br> Ready for Review-Please review comments from UW: Per credit memo from XXX, Guidelines Sec 8.4 on DSCR closing funds has been rewritten for clarity in that on DSCR loans the only time we need to verify funds is on LTVs greater than 70% where closing funds are in excess of XXX. Thank you. - Seller-11/18/2022 | Resolved-Credit Memo revising cash to close documentation requirement provided and client has confirmed pipeline loans were eligible for this enhancement, therefore additional documentation not required. - Due Diligence Vendor-11/30/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 69278 |  | D A C | Closed | FCRE1445 | 2022-11-14 16:47 | 2022-11-30 09:51 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Expired | Resolved-Credit Memo revising cash to close documentation requirement provided and client has confirmed pipeline loans were eligible for this enhancement, therefore additional documentation not required. - Due Diligence Vendor-11/30/2022 <br> Ready for Review-Document Uploaded. Please review the XXX credit memo - thanks - Seller-11/29/2022 <br> Counter-The updated Credit Memorandum referenced has not yet been provided to the due diligence firm- please submit for review. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Please review comments from UW: Per credit memo from XXX, Guidelines Sec 8.4 on DSCR closing funds has been rewritten for clarity in that on DSCR loans the only time we need to verify funds is on LTVs greater than 70% where closing funds are in excess of XXX. Thank you. - Seller-11/18/2022 <br> Open-Asset 3 Expired Provide updated assets for XXXX accounts as per guidelines, "If the amount of assets / funds to close is greater than XXX, it will be required to be documented regardless of LTV / CLTV." Borrowers were required to bring over XXX to closing and therefore updated assets are required. - Due Diligence Vendor-11/14/2022 | Ready for Review-Document Uploaded. Please review the XXX credit memo - thanks - Seller-11/29/2022 <br> Ready for Review-Please review comments from UW: Per credit memo from XXX, Guidelines Sec 8.4 on DSCR closing funds has been rewritten for clarity in that on DSCR loans the only time we need to verify funds is on LTVs greater than 70% where closing funds are in excess of XXX. Thank you. - Seller-11/18/2022 | Resolved-Credit Memo revising cash to close documentation requirement provided and client has confirmed pipeline loans were eligible for this enhancement, therefore additional documentation not required. - Due Diligence Vendor-11/30/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 69278 |  | D A C | Closed | FCOM1231 | 2022-11-11 10:40 | 2022-11-16 07:20 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Initial 1003 is Missing | Resolved-Initial 1003 provided at resubmission. - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. Please review the Initial 1003 - thank you. - Seller-11/15/2022 <br>Open-The Initial 1003 is Missing Provide initial 1003 executed by borrowers to establish the application date. - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. Please review the Initial 1003 - thank you. - Seller-11/15/2022<br>| Resolved-Initial 1003 provided at resubmission. - Due Diligence Vendor-11/16/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68546 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68560 |  | D A | Closed | FPRO1244 | 2023-01-26 17:47 | 2023-01-27 12:24 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-01/27/2023 <br>Resolved-Received desk review<br> - Due Diligence Vendor-01/27/2023 <br>Open-CDA not provided and CDA needed. Order placed for third party product.<br> - Due Diligence Vendor-01/26/2023 |  | Resolved-Document Uploaded. - Due Diligence Vendor-01/27/2023 <br>Resolved-Received desk review<br> - Due Diligence Vendor-01/27/2023<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.23% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 6XXX77 is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68641 |  | D B C A | Closed | FCRE1193 | 2022-11-17 14:12 | 2022-11-30 15:00 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Investor Exception issued to utilize full amount from lease agreements for second rental property held less than 12 months. DTI with entirety of rents received is in line for program at 49%; DTI ratio if using 75% vacancy factor is 50.8%. - Due Diligence Vendor-11/30/2022 <br> Ready for Review-Please review UW comments: The borrower's current REO is a net positive income and was considered via the REO tab in the income section of the ULAW. XXX mortgage was already taken into account in this calculation as it was subtracted from the overall rental amount and left positive income. Thank you. - Seller-11/28/2022 <br> Open-Audited DTI of 63.35% exceeds Guideline DTI of 49%. The difference in the DTI is due to rental income loss calculations. - Due Diligence Vendor-11/18/2022 | Ready for Review-Please review UW comments: The borrower's current REO is a net positive income and was considered via the REO tab in the income section of the ULAW. XXX mortgage was already taken into account in this calculation as it was subtracted from the overall rental amount and left positive income. Thank you. - Seller-11/28/2022 | Acknowledged-Investor Exception issued to utilize full amount from lease agreements for second rental property held less than 12 months. DTI with entirety of rents received is in line for program at 49%; DTI ratio if using 75% vacancy factor is 50.8%. - Due Diligence Vendor-11/30/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.5695731707317073<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 0% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Does Not Have Stable Job Time Of Five (5) Or More Years At Current Job - 2 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Not Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years | Four months' rents reported on tax returns, lease agreements and proof of two months' receipt in file |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 68641 |  | D B C A | Closed | FCRE1198 | 2022-11-18 08:38 | 2022-11-30 11:41 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Investor Exception issued for five months' PITIA reserves vs. program minimum of six. - Due Diligence Vendor-11/30/2022 <br> Ready for Review-Document Uploaded. Please review the ULW - thank you. - Seller-11/28/2022 <br> Open-Audited Reserves of XXX are less than Guideline Required Reserves of 6 - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. Please review the ULW - thank you. - Seller-11/28/2022<br>| Acknowledged-Investor Exception issued for five months' PITIA reserves vs. program minimum of six. - Due Diligence Vendor-11/30/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.5695731707317073<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 0% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Does Not Have Stable Job Time Of Five (5) Or More Years At Current Job - 2 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Not Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years | XXX FICO | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | Investor Post-Close | No |
| 68641 |  | D B C A | Closed | FPRO1244 | 2022-11-21 10:45 | 2022-11-28 13:59 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/21/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/21/2022 |  | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.5695731707317073<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 0% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Does Not Have Stable Job Time Of Five (5) Or More Years At Current Job - 2 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Not Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68667 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68671 |  | D A | Closed | FPRO1244 | 2022-11-21 10:45 | 2022-11-28 11:46 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/21/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/21/2022 |  | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals null<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.87% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Not Less Than The Guideline Maximum Of 0% By Five Percent (5%) Or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68697 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68703 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68714 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68722 |  | D A | Closed | FCRE7497 | 2022-11-16 16:18 | 2022-11-21 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA dues verified at resubmission. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Document Uploaded. Please review UW comments: Uploading XXXX info page reflecting the HOA amount. Thank you. - Seller-11/18/2022 <br> Open-Missing verification of HOA dues of XXX monthly for exiting home at XXX used to qualify. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Please review UW comments: Uploading XXX reflecting the HOA amount. Thank you. - Seller-11/18/2022 | Resolved-HOA dues verified at resubmission. - Due Diligence Vendor-11/21/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14 Years |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 68722 |  | D A | Closed | FPRO1244 | 2022-11-14 08:31 | 2022-11-18 15:47 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/18/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/17/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/14/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/17/2022<br>| Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/18/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14 Years |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 68548 |  | D A | Closed | FPRO1244 | 2022-11-17 15:02 | 2022-11-28 10:54 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received Desk Review - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. Please review the CDA - thank you. - Seller-11/22/2022 <br> Open-XXXX to provide report, loan is a multi family. - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. Please review the CDA - thank you. - Seller-11/22/2022<br>| Resolved-Received Desk Review - Due Diligence Vendor-11/28/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68592 |  | D A | Closed | FPRO1244 | 2022-11-14 08:31 | 2022-11-28 11:32 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/17/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/14/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/17/2022<br>| Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 68593 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68604 |  | A | Closed | FPRO1244 | 2022-11-15 08:44 | 2022-11-28 16:51 | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-11/15/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/15/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/15/2022<br>| Resolved-Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.67 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.34% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals null |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68606 |  | C A | Closed | FPRO868 | 2022-11-28 14:17 | 2022-12-01 10:26 | Resolved | 1 - Information C A | Property | Third Party Valuation | Desk Review Value(s) Do Not Adhere To Tolerance Criteria | Resolved-Received BPO - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. Please review the BPO for this order - thank you. - Seller-11/30/2022 <br>Open-Document Uploaded. Desk review provided is inconclusive. Additional product/field review suggested. - Due Diligence Vendor-11/28/2022 | Ready for Review-Document Uploaded. Please review the BPO for this order - thank you. - Seller-11/30/2022<br>| Resolved-Received BPO - Due Diligence Vendor-12/01/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals null<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Not Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68606 |  | C A | Closed | FPRO1244 | 2022-11-15 08:44 | 2022-11-28 14:21 | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Third party product received but value provided is inconclusive. New finding added for value not in tolerance. - Due Diligence Vendor-11/28/2022 <br>Counter-Document Uploaded. Desk review provided is inconclusive. Additional product/field review suggested. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Canopy valuation process - to order product. - Seller-11/15/2022 <br>Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/15/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-11/15/2022<br>| Resolved-Third party product received but value provided is inconclusive. New finding added for value not in tolerance. - Due Diligence Vendor-11/28/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals null<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Not Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68609 |  | C A | Closed | FCRE7000 | 2022-11-23 10:25 | 2022-11-30 10:09 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Per Credit Memo dated XXX, source of funds is not required for DSCR transactions with LTV of 70% or less, which the subject meets. Client has confirmed pipeline loans were eligible for this enhancement. - Due Diligence Vendor-11/30/2022 <br> Ready for Review-Document Uploaded. Please review comments from UW: Per credit memo from XXX, Guidelines Sec 8.4 on DSCR closing funds has been rewritten for clarity in that on DSCR loans the only time we need to verify funds is on LTV's greater than 70% where closing funds are in excess of XXX. Thank you. - Seller-11/29/2022 <br> Open-Provide assets utilized for closing as none were provided at the time of review as required. - Due Diligence Vendor-11/23/2022 <br> Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close XXX. Provide assets utilized for closing. No assets were provided at the time of review, as required, due to closing costs being over XXX. - Due Diligence Vendor-11/23/2022 | Ready for Review-Document Uploaded. Please review comments from UW: Per credit memo from XXX, Guidelines Sec 8.4 on DSCR closing funds has been rewritten for clarity in that on DSCR loans the only time we need to verify funds is on LTV's greater than 70% where closing funds are in excess of XXX. Thank you. - Seller-11/29/2022 | Resolved-Per Credit Memo dated XXX, source of funds is not required for DSCR transactions with LTV of 70% or less, which the subject meets. Client has confirmed pipeline loans were eligible for this enhancement. - Due Diligence Vendor-11/30/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals null<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Not Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68549 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68712 |  | C A | Closed | FCRE1455 | 2022-11-23 17:46 | 2022-11-28 10:08 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved- - Due Diligence Vendor-11/28/2022 <br>Open-Asset 1 Less Than 2 Months Verified 30 day seasoning only required - Due Diligence Vendor-11/23/2022 |  | Resolved- - Due Diligence Vendor-11/28/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.17 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals null<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Not Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 68724 |  | D A | Closed | FPRO1244 | 2022-11-21 10:20 | 2022-11-28 11:44 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/21/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/21/2022 |  | Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 38 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals null<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Does Not Have Stable Job Time Of Five (5) Or More Years At Current Job - null Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Does Not Have Stable Time In Profession By Ten (10) Years Or More - null Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Not Met |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 69423 |  | D A | Closed | FPRO1244 | 2022-11-21 10:20 | 2022-11-28 12:41 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/21/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/21/2022 |  | Resolved-Document Uploaded. Desk review provided with a value of XXX or 0% variance. Finding resolved. - Due Diligence Vendor-11/28/2022 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 69286 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 68715 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69295 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69425 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69325 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69338 |  | C B A | Closed | FCRE1200 | 2022-12-19 10:28 | 2022-12-27 12:14 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Investor Exception issued for loan amount less than program minimum of XXX. - Due Diligence Vendor-12/27/2022 <br> Ready for Review-Document Uploaded. Please review the ULAW for the exception. Thank you. - Seller-12/27/2022 <br> Open-Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX No Exception request for low loan amount provided. - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. Please review the ULAW for the exception. Thank you. - Seller-12/27/2022<br>| Acknowledged-Investor Exception issued for loan amount less than program minimum of XXX. - Due Diligence Vendor-12/27/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points | 70% LTV/CLTV; XXX FICO- AAA Credit Grade | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 69256 |  | C A | Closed | FCRE1437 | 2022-12-19 14:48 | 2022-12-21 10:01 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Validation of full payment for second investment property provided at resubmission. - Due Diligence Vendor-12/21/2022 <br> Ready for Review-Document Uploaded. Per UW: Uploading borrower's bank statements showing monthly XXX rent payments, XXX guidelines do not call for VOR or anything in addition to the regular payment being taken out. Uploading copy of Note, HOA bill and Final Settlement Statement for XXX which shows the taxes and insurance. Thank you. - Seller-12/21/2022 <br> Open-Income and Employment Do Not Meet Guidelines Missing documentation of principal and interest of rental property XXX. Also missing documentation of primary residence expense confirming XXX rent. - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. Per UW: Uploading borrower's bank statements showing monthly XXX rent payments, XXX guidelines do not call for VOR or anything in addition to the regular payment being taken out. Uploading copy of Note, HOA bill and Final Settlement Statement for XXX which shows the taxes and insurance. Thank you. - Seller-12/21/2022 | Resolved-Validation of full payment for second investment property provided at resubmission. - Due Diligence Vendor-12/21/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25183368869936035<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 69424 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 69321 |  | C B A | Closed | finding-3631 | 2022-12-19 16:40 | 2023-01-10 16:13 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/10/2023 <br>Ready for Review-Document Uploaded. Please review COE which includes refund check - thank you. - Seller-01/09/2023 <br>Counter-Received PCCD, LOE, Proof of delivery. Cure package is incomplete, missing copy of refund check. - Due Diligence Vendor-01/09/2023 <br>Ready for Review-Please review the correction of errors document - thank you. - Seller-01/06/2023 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*No COC or sufficient lender credits located in the file to address the increase in the attorney review fee - located in Sec B. Sec B fees are limited to tolerance thresholds per TRID regulation. - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. Please review COE which includes refund check - thank you. - Seller-01/09/2023 <br>Ready for Review-Please review the correction of errors document - thank you. - Seller-01/06/2023<br>| Cured-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/10/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.54% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.54% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 69321 |  | C B A | Closed | finding-3632 | 2022-12-19 16:40 | 2023-01-10 16:13 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/10/2023 <br>Ready for Review-Please review COE which includes refund check - thank you. - Seller-01/09/2023 <br>Counter-Received PCCD, LOE, Proof of delivery. Cure package is incomplete, missing copy of refund check. - Due Diligence Vendor-01/09/2023 <br>Ready for Review-Document Uploaded. Please review the correction of errors document - thank you. - Seller-01/06/2023 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*No COC or sufficient lender credits located in the file to address the increase in the attorney review fee - located in Sec B. Sec B fees are limited to tolerance thresholds per TRID regulation. - Due Diligence Vendor-12/19/2022 | Ready for Review-Please review COE which includes refund check - thank you. - Seller-01/09/2023 <br>Ready for Review-Document Uploaded. Please review the correction of errors document - thank you. - Seller-01/06/2023<br>| Resolved-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/10/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.54% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.54% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 69321 |  | C B A | Closed | finding-3634 | 2022-12-19 16:40 | 2023-01-10 16:13 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/10/2023 <br> Ready for Review-Please review COE which includes refund check - thank you. - Seller-01/09/2023 <br> Counter-Received PCCD, LOE, Proof of delivery. Cure package is incomplete, missing copy of refund check. - Due Diligence Vendor-01/09/2023 <br> Ready for Review-Please review the correction of errors document - thank you. - Seller-01/06/2023 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*No COC or sufficient lender credits located in the file to address the increase in the attorney review fee - located in Sec B. Sec B fees are limited to tolerance thresholds per TRID regulation. - Due Diligence Vendor-12/19/2022 | Ready for Review-Please review COE which includes refund check - thank you. - Seller-01/09/2023 <br>Ready for Review-Please review the correction of errors document - thank you. - Seller-01/06/2023<br>| Cured-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/10/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.54% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.54% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 69326 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69281 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69310 |  | C A | Closed | finding-3532 | 2022-12-19 11:39 | 2022-12-22 10:46 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received proof of CD delivery. - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Document Uploaded. Please review the Proof of CD sent to borrower - thank you. - Seller-12/20/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\*\*Loan file contains no disclosure tracking for Initial CD. Lender to provide delivery confirmation that Initial CD was provided to borrower at least 3 days prior to closing date. - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. Please review the Proof of CD sent to borrower - thank you. - Seller-12/20/2022<br>| Resolved-Received proof of CD delivery. - Due Diligence Vendor-12/22/2022<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 69306 |  | D B A | Closed | FPRO1244 | 2022-12-19 09:50 | 2022-12-22 09:24 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. received desk review - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Canopy valuation process - to order product. - Seller-12/22/2022 <br>Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/19/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-12/22/2022<br>| Resolved-Document Uploaded. received desk review - Due Diligence Vendor-12/22/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals null |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 69306 |  | D B A | Closed | FCRE3798 | 2022-12-20 14:08 | 2022-12-20 14:08 | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Product Type does not meet eligibility requirement(s) | Acknowledged-Exception in file (page XXX) and approved for Purchase Investment rental loss of XXX, when XXX is required. - Due Diligence Vendor-12/20/2022 |  | Acknowledged-Exception in file (page 471) and approved for Purchase Investment rental loss of XXX, when XXX is required. - Due Diligence Vendor-12/20/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals null |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 69358 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69349 |  | B A | Closed | FCRE1493 | 2022-12-21 12:48 | 2022-12-21 12:48 | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Acknowledged-Borrower does not meet standard tradeline depth requirement per program guidelines; an Exception was issued to allow for third reference from 24 months consecutive rent payments- made both from personal and business accounts. - Due Diligence Vendor-12/21/2022 |  | Acknowledged-Borrower does not meet standard tradeline depth requirement per program guidelines; an Exception was issued to allow for third reference from 24 months consecutive rent payments- made both from personal and business accounts. - Due Diligence Vendor-12/21/2022<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.13% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Housing history of 24 months verified with 0x30; 15% DTI |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 69300 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other |  |  |
| 69305 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other |  |  |
| 69344 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Purchase | NA |  |  |
| 69364 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69328 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69339 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69329 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69384 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69346 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69327 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69336 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 69363 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69368 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69307 |  | D A | Closed | FCRE1316 | 2023-01-04 07:44 | 2023-01-05 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Registry search for business provided at resubmission confirming ongoing active status for past four years and that borrower is the sole registered owner/agent. - Due Diligence Vendor-01/05/2023 <br>Ready for Review-Document Uploaded. Please review comments from UW: Uploading initial corporate filing docs for review of proof of S/E. Thank you. - Seller-01/05/2023 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing CPA letter to verify self-employment. - Due Diligence Vendor-01/04/2023 | Ready for Review-Document Uploaded. Please review comments from UW: Uploading initial corporate filing docs for review of proof of S/E. Thank you. - Seller-01/05/2023<br>| Resolved-Registry search for business provided at resubmission confirming ongoing active status for past four years and that borrower is the sole registered owner/agent. - Due Diligence Vendor-01/05/2023<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 725 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.4 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 69288 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 69260 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 69351 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 69264 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 69416 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 69378 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69418 |  | D A | Closed | FCRE2109 | 2023-01-05 11:20 | 2023-01-10 07:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Bank Statement Calculator Worksheet provided at resubmission. - Due Diligence Vendor-01/10/2023 <br>Ready for Review-Document Uploaded. Please review the bank statement analysis - thank you. - Seller-01/09/2023 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-01/05/2023 | Ready for Review-Document Uploaded. Please review the bank statement analysis - thank you. - Seller-01/09/2023<br>| Resolved-Bank Statement Calculator Worksheet provided at resubmission. - Due Diligence Vendor-01/10/2023<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Purchase | NA | N/A | N/A |
| 69362 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69347 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69367 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69370 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other |  |  |
| 69379 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69411 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69262 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69405 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 69377 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69380 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69382 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69385 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69387 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69396 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 69401 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69403 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69406 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69410 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA |  |  |
| 69381 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69391 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69386 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69412 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69365 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69394 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69400 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69409 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69334 |  | D A | Closed | FCOM1227 | 2023-01-13 15:20 | 2023-01-30 12:35 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Received mortgage with riders. - Due Diligence Vendor-01/30/2023 <br>Ready for Review-Document Uploaded. Please review the PUD Rider, thank you. - Seller-01/27/2023 <br>Open-PUD Rider is Missing - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. Please review the PUD Rider, thank you. - Seller-01/27/2023<br>| Resolved-Received mortgage with riders. - Due Diligence Vendor-01/30/2023<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.27% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.27% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 69334 |  | D A | Closed | FCRE1764 | 2023-01-13 16:38 | 2023-01-20 07:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Agree with response- Primary residence was recently refinanced (see page 177 for payoffs and annual tax amount). Per Note on page 188, lien is a one-year balloon with no payments required until maturity. XXX guidelines allow for exclusion from DTI. Insurance premium verified under Resubmission doc). XXX approval on page 5 indicates lender used a conservative payment for the primary residence as XXX, (the same as the subject investment payment) vs. XXX for taxes and insurance alone. - Due Diligence Vendor-01/20/2023 <br> Ready for Review-Document Uploaded. Please review comments from UW: The settlement statement shows the tax amount and we are uploading the insurance document for that figure. As for the P&I, the note is a balloon that is due XXX XXX with no provisions for any monthly payments to be made. If monthly payments are not required, we will not include in DTI since it is due in full and likewise no mortgage rating would be obtained either. Thank you. - Seller-01/19/2023 <br> Open-Missing mortgage statement, for primary residence at XXX to reflect PITI. Page 177 is the settlement statement dated XXX paying off prior mortgages with XXX with a new loan balance of XXX XXX approval page 5, reflects the primary residence as XXX, the same as the subject investment payment. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. Please review comments from UW: The settlement statement shows the tax amount and we are uploading the insurance document for that figure. As for the P&I, the note is a balloon that is due XXX with no provisions for any monthly payments to be made. If monthly payments are not required, we will not include in DTI since it is due in full and likewise no mortgage rating would be obtained either. Thank you. - Seller-01/19/2023 | Resolved-Agree with response- Primary residence was recently refinanced (see page 177 for payoffs and annual tax amount). Per Note on page 188, lien is a one-year balloon with no payments required until maturity. XXX guidelines allow for exclusion from DTI. Insurance premium verified under Resubmission doc). XXX approval on page 5 indicates lender used a conservative payment for the primary residence asXXX (the same as the subject investment payment) vs. XXX for taxes and insurance alone. - Due Diligence Vendor-01/20/2023 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.27% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.27% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 69345 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69357 |  | D B A | Closed | FVAL1310 | 2023-01-17 13:11 | 2023-01-20 07:05 | Acknowledged | 2 - Non-Material D B | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Acknowledged-Investor Exception issued to allow for delinquent HOA Dues on the subject property to remain unpaid at closing. - Due Diligence Vendor-01/20/2023 <br>Ready for Review-Document Uploaded. Please review the ULAW from UW - thank you. - Seller-01/19/2023 <br>Open-HOA Questionnaire is Missing or incomplete - Per Condo Questionnaire provided in initial submission, subject property is currently delinquent on HOA Dues, however these were not reflected on the Final Settlement Statement. Please provide satisfactory evidence all dues and fees have been brought current for the subject. - Due Diligence Vendor-01/17/2023 | Ready for Review-Document Uploaded. Please review the ULAW from UW - thank you. - Seller-01/19/2023<br>| Acknowledged-Investor Exception issued to allow for delinquent HOA Dues on the subject property to remain unpaid at closing. - Due Diligence Vendor-01/20/2023<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals null<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years | 61% LTV/CLTV Investor loan with minimal cash to borrower; paying off a balloon Note with a fixed rate product | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No |
| 69357 |  | D B A | Closed | FVAL5385 | 2023-01-17 13:09 | 2023-01-17 13:09 | Acknowledged | 2 - Non-Material B | Property | Property Issue | Property has been listed for sale in the past 6 months | Acknowledged-- Lender Exception issued for subject property listed for sale at the time of application- withdrawn just prior to closing. - Due Diligence Vendor-01/17/2023 |  | Acknowledged-- Lender Exception issued for subject property listed for sale at the time of application- withdrawn just prior to closing. - Due Diligence Vendor-01/17/2023<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals null<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years | 60.85% LTV/CLTV |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes |
| 69376 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| 69383 |  | C B A | Closed | FCRE1176 | 2023-01-18 09:08 | 2023-01-19 11:57 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Updated HO-6 Insurance Policy Effective Date of XXX is equal to the Note Date; issue resolved. - Due Diligence Vendor-01/19/2023 <br> Ready for Review-Document Uploaded. Please review the updated HO6 - thank you. - Seller-01/19/2023 <br> Open-HO-6 Insurance Policy Effective Date of XXX is after the Note Date of XXX - Due Diligence Vendor-01/18/2023 | Ready for Review-Document Uploaded. Please review the updated HO6 - thank you. - Seller-01/19/2023<br>| Resolved-Updated HO-6 Insurance Policy Effective Date of XXX is equal to the Note Date; issue resolved. - Due Diligence Vendor-01/19/2023 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 69383 |  | C B A | Closed | FCRE8138 | 2023-01-19 11:47 | 2023-01-19 11:47 | Acknowledged | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Acknowledged-Investor Exception issued for DSCR of .84 with LTV of 70% on a condotel property. - Due Diligence Vendor-01/19/2023 |  | Acknowledged-Investor Exception issued for DSCR of .84 with LTV of 70% on a condotel property. - Due Diligence Vendor-01/19/2023<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years | 30% equity position; XXX FICO |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 69419 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69375 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69390 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69395 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69402 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other |  |  |
| 69415 |  | D A | Closed | FPRO1244 | 2023-01-11 19:28 | 2023-01-23 08:40 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. Received desk review. - Due Diligence Vendor-01/23/2023 <br>Ready for Review-Canopy valuation process - to order product. - Seller-01/18/2023 <br>Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-01/12/2023 | Ready for Review-Canopy valuation process - to order product. - Seller-01/18/2023<br>| Resolved-Document Uploaded. Received desk review. - Due Diligence Vendor-01/23/2023<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals null<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.36% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.36% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 69404 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69417 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69422 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |
| 69421 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA |  |  |

---

## Exhibit 99.04

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.04**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 60597 |  |  | XXX C A D |
| 61707 |  |  | XXX A D |
| 61739 |  |  | XXX A D |
| 61729 |  |  | XXX A D |
| 61736 |  |  | XXX A D |
| 61903 |  |  | XXX A |
| 61684 |  |  | XXX A B |
| 61711 |  |  | XXX A D |
| 61799 |  |  | XXX A C |
| 61812 |  |  | XXX A |
| 61787 |  |  | XXX A |
| 61813 |  |  | XXX A |
| 61838 |  |  | XXX A D |
| 61758 |  |  | XXX A |
| 61811 |  |  | XXX A D |
| 61824 |  |  | XXX A D |
| 61826 |  |  | XXX A |
| 61834 |  |  | XXX A |
| 61836 |  |  | XXX A D |
| 61840 |  |  | XXX A |
| 61793 |  |  | XXX A D |
| 61682 |  |  | XXX A D |
| 61804 |  |  | XXX A C D |
| 61829 |  |  | XXX A |
| 61844 |  |  | XXX A |
| 61882 |  |  | XXX A |
| 61877 |  |  | XXX A |
| 61885 |  |  | XXX A |
| 61717 |  |  | XXX A |
| 61782 |  |  | XXX A D |
| 61788 |  |  | XXX A C D |
| 61790 |  |  | XXX A D |
| 61792 |  |  | XXX D A |
| 61688 |  |  | XXX A D |
| 61842 |  |  | XXX D A |
| 61737 |  |  | XXX C A D |
| 61816 |  |  | XXX D A |
| 61800 |  |  | XXX A |
| 61880 |  |  | XXX A |
| 67026 |  |  | XXX A |
| 66837 |  |  | XXX A D |
| 67018 |  |  | XXX A D |
| 66990 |  |  | XXX A |
| 67074 |  |  | XXX A C |
| 66966 |  |  | XXX A D |
| 68597 |  |  | XXX A |
| 68611 |  |  | XXX A D |
| 68603 |  |  | XXX A |
| 68727 |  |  | XXX A |
| 68600 |  |  | XXX A D |
| 68557 |  |  | XXX B A D |
| 68573 |  |  | XXX D A |
| 68617 |  |  | XXX A |
| 68571 |  |  | XXX A |
| 68622 |  |  | XXX A |
| 68601 |  |  | XXX C A D B |
| 68619 |  |  | XXX A |
| 68602 |  |  | XXX A |
| 68621 |  |  | XXX A |
| 68607 |  |  | XXX A |
| 68547 |  |  | XXX A D |
| 68644 |  |  | XXX C A D B |
| 68647 |  |  | XXX A |
| 69275 |  |  | XXX A D |
| 68684 |  |  | XXX A |
| 68685 |  |  | XXX A D |
| 68625 |  |  | XXX A |
| 68662 |  |  | XXX A |
| 68675 |  |  | XXX A D |
| 68700 |  |  | XXX A |
| 68710 |  |  | XXX A |
| 68716 |  |  | XXX A |
| 68681 |  |  | XXX A |
| 68701 |  |  | XXX A |
| 68570 |  |  | XXX A D |
| 68578 |  |  | XXX A |
| 68580 |  |  | XXX A D |
| 68589 |  |  | XXX A D |
| 68620 |  |  | XXX A |
| 68561 |  |  | XXX A D |
| 68574 |  |  | XXX B A |
| 68581 |  |  | XXX A D |
| 68587 |  |  | XXX A D |
| 68618 |  |  | XXX A D |
| 68627 |  |  | XXX A |
| 68642 |  |  | XXX A |
| 68643 |  |  | XXX A |
| 68652 |  |  | XXX D A B |
| 68664 |  |  | XXX A D |
| 68669 |  |  | XXX A D |
| 68674 |  |  | XXX A |
| 68694 |  |  | XXX A |
| 68688 |  |  | XXX A |
| 68687 |  |  | XXX A |
| 68689 |  |  | XXX A D |
| 68693 |  |  | XXX A |
| 68696 |  |  | XXX A |
| 68690 |  |  | XXX A D |
| 68657 |  |  | XXX A |
| 68661 |  |  | XXX A |
| 68568 |  |  | XXX A D |
| 68616 |  |  | XXX A |
| 68626 |  |  | XXX A D |
| 68695 |  |  | XXX A D |
| 68698 |  |  | XXX A |
| 68699 |  |  | XXX A D |
| 68708 |  |  | XXX A D |
| 68713 |  |  | XXX A D |
| 68717 |  |  | XXX A D |
| 68550 |  |  | XXX A |
| 68686 |  |  | XXX A |
| 68668 |  |  | XXX A |
| 68679 |  |  | XXX A |
| 68677 |  |  | XXX A |
| 68678 |  |  | XXX A D |
| 69278 |  |  | XXX C D A |
| 68546 |  |  | XXX A |
| 68560 |  |  | XXX A D |
| 68641 |  |  | XXX C A D B |
| 68667 |  |  | XXX A |
| 68671 |  |  | XXX A D |
| 68697 |  |  | XXX A |
| 68703 |  |  | XXX A |
| 68714 |  |  | XXX A |
| 68722 |  |  | XXX D A |
| 68548 |  |  | XXX A D |
| 68592 |  |  | XXX A D |
| 68593 |  |  | XXX A |
| 68604 |  |  | XXX A |
| 68606 |  |  | XXX A C |
| 68609 |  |  | XXX C A |
| 68549 |  |  | XXX A |
| 68712 |  |  | XXX C A |
| 68724 |  |  | XXX A D |
| 69423 |  |  | XXX A D |
| 69286 |  |  | XXX A |
| 68715 |  |  | XXX A |
| 69295 |  |  | XXX A |
| 69425 |  |  | XXX A |
| 69325 |  |  | XXX A |
| 69338 |  |  | XXX C A B |
| 69256 |  |  | XXX C A |
| 69424 |  |  | XXX A |
| 69321 |  |  | XXX A C B |
| 69326 |  |  | XXX A |
| 69281 |  |  | XXX A |
| 69310 |  |  | XXX A C |
| 69306 |  |  | XXX B A D |
| 69358 |  |  | XXX A |
| 69349 |  |  | XXX B A |
| 69300 |  |  | XXX A |
| 69305 |  |  | XXX A |
| 69344 |  |  | XXX A |
| 69364 |  |  | XXX A |
| 69328 |  |  | XXX A |
| 69339 |  |  | XXX A |
| 69329 |  |  | XXX A |
| 69384 |  |  | XXX A |
| 69346 |  |  | XXX A |
| 69327 |  |  | XXX A |
| 69336 |  |  | XXX A |
| 69363 |  |  | XXX A |
| 69368 |  |  | XXX A |
| 69307 |  |  | XXX D A |
| 69288 |  |  | XXX A |
| 69260 |  |  | XXX A |
| 69351 |  |  | XXX A |
| 69264 |  |  | XXX A |
| 69416 |  |  | XXX A |
| 69378 |  |  | XXX A |
| 69418 |  |  | XXX D A |
| 69362 |  |  | XXX A |
| 69347 |  |  | XXX A |
| 69367 |  |  | XXX A |
| 69370 |  |  | XXX A |
| 69379 |  |  | XXX A |
| 69411 |  |  | XXX A |
| 69262 |  |  | XXX A |
| 69405 |  |  | XXX A |
| 69377 |  |  | XXX A |
| 69380 |  |  | XXX A |
| 69382 |  |  | XXX A |
| 69385 |  |  | XXX A |
| 69387 |  |  | XXX A |
| 69396 |  |  | XXX A |
| 69401 |  |  | XXX A |
| 69403 |  |  | XXX A |
| 69406 |  |  | XXX A |
| 69410 |  |  | XXX A |
| 69381 |  |  | XXX A |
| 69391 |  |  | XXX A |
| 69386 |  |  | XXX A |
| 69412 |  |  | XXX A |
| 69365 |  |  | XXX A |
| 69394 |  |  | XXX A |
| 69400 |  |  | XXX A |
| 69409 |  |  | XXX A |
| 69334 |  |  | XXX D A |
| 69345 |  |  | XXX A |
| 69357 |  |  | XXX A D B |
| 69376 |  |  | XXX A |
| 69383 |  |  | XXX C A B |
| 69419 |  |  | XXX A |
| 69375 |  |  | XXX A |
| 69390 |  |  | XXX A |
| 69395 |  |  | XXX A |
| 69402 |  |  | XXX A |
| 69415 |  |  | XXX A D |
| 69404 |  |  | XXX A |
| 69417 |  |  | XXX A |
| 69422 |  |  | XXX A |
| 69421 |  |  | XXX A |

---

## Exhibit 99.05

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.05**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 60597 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61707 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .044 | XXX | 1004 URAR |  |  |  |  |  |  |  | XXX | XXX | .044 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61739 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.035 | 87 |  | XXX | XXX | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61729 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61736 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61903 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .023 | 94 |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61684 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .019 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61711 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61799 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61812 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.018 | 93 |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61787 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .017 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61813 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61838 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .060 | 88 |  | XXX | XXX | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61758 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .009 | 98 |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61811 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .020 | 93 |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61824 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61826 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61834 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.001 | 89 |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61836 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61840 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .095 | 94 |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61793 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .002 | 96 |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61682 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.142 | 94 | 0.06 | XXX | XXX | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61804 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61829 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.042 | 97 |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61844 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .010 | 98 | . | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61882 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.029 | 92 |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61877 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61885 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.006 | 95 |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61717 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.014 | 94 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61782 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61788 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61790 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61792 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.248 | 90 | .10 | XXX | XXX | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61688 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.112 | 63 |  | XXX | XXX | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 61842 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.059 | 94 |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61737 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.261 | 92 |  | XXX | XXX | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61816 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .086 | 90 | .99 | XXX | XXX | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61800 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .012 | 97 | .05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61880 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.010 | 97 |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67026 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .115 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66837 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67018 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.049 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66990 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .033 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67074 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .009 | 96 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66966 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68597 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .028 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68611 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| 68603 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.009 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68727 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.004 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68600 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68557 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68573 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.047 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68617 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .036 | 98 | 0.5 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68571 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.013 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68622 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .034 | 97 | 0.25 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| 68601 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.034 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68619 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .047 | 91 | 0.5 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| 68602 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .011 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68621 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .010 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| 68607 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.055 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68547 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68644 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .089 | 91 | 0.09 | XXX | XXX | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68647 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.006 | 95 | 0.13 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69275 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.016 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68684 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .000 | 97 | 0.1 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 68685 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68625 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .052 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68662 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .048 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68675 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68700 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | 1.412 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68710 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .029 | 96 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68716 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .007 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68681 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .776 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68701 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.030 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68570 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68578 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.009 | 95 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68580 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68589 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68620 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.039 | 91 | 0.13 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68561 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .105 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68574 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .050 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68581 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68587 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68618 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68627 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .014 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68642 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.008 | 96 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68643 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .002 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68652 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .024 | 98 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| 68664 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68669 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68674 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.060 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68694 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.005 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 68688 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.001 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68687 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.004 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68689 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .020 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68693 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .025 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68696 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.005 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68690 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.005 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68657 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .052 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68661 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .071 | 96 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68568 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68616 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.022 | 91 | 0.09 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68626 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.034 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68695 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68698 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .007 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68699 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68708 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68713 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68717 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68550 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68686 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .023 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68668 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .023 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68679 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .012 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68677 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.037 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68678 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69278 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .010 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68546 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.064 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68560 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .015 | XXX | 1004 URAR | XXX | XXX | .015 | 92 | 0.08 | XXX | XXX | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68641 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68667 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .000 | 97 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68671 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68697 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .011 | 96 | 0.13 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68703 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.090 | 97 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68714 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.011 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68722 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68548 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68592 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68593 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.022 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68604 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68606 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.000 | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .023 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68609 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.058 | 96 | 0.15 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68549 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68712 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .000 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68724 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69423 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69286 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.008 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 68715 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .018 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69295 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .019 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69425 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .054 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69325 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69338 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 69256 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69424 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.018 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69321 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.032 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69326 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 69281 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69310 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69306 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69358 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.005 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69349 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .011 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69300 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69305 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .000 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69344 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.072 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69364 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.043 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69328 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69339 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .011 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69329 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .022 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69384 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.020 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69346 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 69327 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69336 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.031 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69363 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.064 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69368 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .040 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69307 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .003 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69288 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 69260 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 69351 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .007 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69264 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .098 | XXX | 1004 URAR | XXX | XXX | .085 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69416 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .000 | XXX | 1004 URAR | XXX | XXX | -.010 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69378 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| 69418 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69362 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 69347 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69367 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69370 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69379 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .088 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| 69411 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.007 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| 69262 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69405 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69377 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .109 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69380 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69382 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .010 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| 69385 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .018 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69387 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .035 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69396 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .061 | XXX | 1004 URAR | XXX | XXX | -.070 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69401 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .102 | 89 | 0.11 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69403 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .016 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| 69406 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .053 | 91 | 0.09 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| 69410 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .014 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69381 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .011 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 69391 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.026 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69386 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69412 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .021 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69365 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.044 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69394 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 69400 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.093 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69409 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69334 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .037 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69345 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .013 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69357 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 69376 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 69383 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 69419 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69375 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.034 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69390 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 69395 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .013 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69402 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 69415 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69404 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .022 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69417 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69422 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.018 | 93 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69421 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.06**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income 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?** |
| 60597 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 61707 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 24900 | 3.747 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61739 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 8995 | 3.477% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61729 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 3000 | 4.118% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 61736 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No |  |  | 3.212% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 61903 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Not Tested | No | No | No | No | No | No | No | No | No | No | 3681 | 4.128% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 61684 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No | Yes | No | No | No | No | No | 16790 | 4.865 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61711 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Yes | 40892 | 3.762 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61799 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 6431.25 | 4.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61812 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% |  | Yes | No | No | No | No | No | No | No | No | No | 14120 | 3.916 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 61787 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No | No | 23000 | 4.003 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61813 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | No | No | No | No | No | Yes | 15195 | 4.424% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61838 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 19295 | 3.315 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61758 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No | No | 4800 | 4.346 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Employed | No | No | No | N/A |
| 61811 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 8645 | 4.164 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61824 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 8032 | 3.514 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No |  | No | N/A |
| 61826 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No | No | 12260 | 3.991 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed |  | No |  | No | N/A |
| 61834 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 11730 | 3.791 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61836 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 25795 | 3.664 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61840 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 5295 | 3.541 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61793 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  | 4.554% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 61682 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 7691.97 | 4.278 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61804 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Yes | 15671.25 | 3.878 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 61829 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | N/A |
| 61844 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No | No | 10754 | 4.491 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 61882 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 7295 | 4.306 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61877 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No | No | 28985 | 4.141 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 61885 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 17540 | 3.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61717 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 10240 | 3.603 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61782 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No | No | No | No | No | No | Yes | 6886.75 | 3.941 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61788 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Yes | 5670 | 3.563 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 61790 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 7003 | 4.394 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 61792 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 12250 | 4.147 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 61688 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | No | No | No | No | No | No | 11470 | 3.745 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 61842 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 12324 | 4.327 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Unknown | No | No | No | N/A |
| 61737 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 35612.5 | 3.737 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 61816 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 10546.83 | 3.346 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed |  | No |  |  | N/A |
| 61800 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 61880 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | 10295 | 4.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 67026 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0937 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66837 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0739 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 67018 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.092 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66990 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.084 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 67074 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0777 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 66966 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | No | Yes | No | No | No |  |  | 0.0798 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68597 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 68611 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68603 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Not Employed | No | No | Yes | Present |
| 68727 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 6591.9 | 7.697 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 68600 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 68557 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68573 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68617 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68571 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68622 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68601 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 68619 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68602 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No | No | Yes | Present |
| 68621 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 68607 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No | No | Yes | Present |
| 68547 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 68644 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68647 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 69275 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68684 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 68685 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 68625 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 68662 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68675 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68700 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 68710 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68716 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68681 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 20015 | 9.037 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 68701 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 38795 | 9.443 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 68570 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68578 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No | No | Yes | Present |
| 68580 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 68589 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 68620 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68561 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68574 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68581 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 68587 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No | No | Yes | Present |
| 68618 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No | No | Yes | Present |
| 68627 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68642 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68643 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68652 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 68664 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 68669 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68674 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No | No | Yes | Present |
| 68694 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 68688 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 68687 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 68689 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 68693 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No | No | Yes | Present |
| 68696 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 68690 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 68657 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | Yes | 5034.35 | 8.034 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 68661 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 11173.05 | 9.044 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 68568 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 68616 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68626 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 68695 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Not Employed | No | No | Yes | Present |
| 68698 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 68699 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68708 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 68713 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 68717 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 68550 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68686 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 68668 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68679 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68677 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68678 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69278 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 68546 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68560 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68641 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 68667 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68671 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 68697 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68703 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68714 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68722 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | No | No | No | No | No | No | No | No | No | 16299 | 7.887 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 68548 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68592 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68593 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 68604 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68606 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 68609 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 68549 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 68712 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 68724 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 69423 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69286 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 68715 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69295 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 69425 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69325 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 69338 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69256 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69424 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | No | No | No | No | No | Yes | 9396.56 | 9.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 69321 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 5174 | 10.653 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 69326 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69281 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 69310 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 4777 | 11.887 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 69306 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69358 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69349 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 13727 | 10.386 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 69300 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 4321 | 10.643 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Retired |  | No |  | No | N/A |
| 69305 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | No | No | No | No | No | No | 8390 | 9.07 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 69344 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | No | No | No | No | No | No | No | No | Yes | 5635 | 10.166 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 69364 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 69328 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69339 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69329 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69384 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Retired |  | No |  | Yes | Present |
| 69346 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69327 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69336 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | Yes | No | No | No | No | No | 16295 | 10.193 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 69363 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69368 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69307 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | No | No | No | No | No | Yes | 21920 | 9.73 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 69288 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 8925 | 10.208 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 69260 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | No | No | No | No | No | No | 7815 | 8.955 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 69351 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 5675 | 9.459 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 69264 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 5707 | 10.286 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed |  | No |  | No | N/A |
| 69416 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 22810.63 | 9.559 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 69378 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69418 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | No | No | No | No | No | No | No | No | No | 7105 | 9.01 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 69362 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69347 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 69367 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 69370 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | No | No | No | No | No | No | 2471.19 | 9.326 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 69379 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69411 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69262 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69405 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | Yes | 10655 | 9.698 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 69377 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69380 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69382 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69385 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69387 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69396 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 26476.25 | 9.312 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 69401 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69403 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69406 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 69410 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | No | No | 4795 | 10.32 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 69381 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 69391 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69386 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69412 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69365 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | No |  | Yes | Present |
| 69394 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69400 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69409 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69334 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69345 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69357 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | Yes |  | Yes | Present |
| 69376 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Retired |  | No |  | Yes | Present |
| 69383 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69419 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | No |  | Yes | Present |
| 69375 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | No | Yes | Yes | Present |
| 69390 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | Yes |  | Yes | Present |
| 69395 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 69402 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69415 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 69404 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69417 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 69422 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 69421 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |

---

## Exhibit 99.07

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.07**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 60597 | Acra Lending Flow | Sales Price | finalCdDetailPage | XXX | XXX | XXX is appraised value on this refinance loan |
| 61804 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Tape value unknown. XXX |
| 61880 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | XXXX is B2 highest score; lowest mid score for both borrowers is XXX |
| 66966 | Acra Lending Flow | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal property is a PUD |
| 68652 | Acra Lending Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | True data includes child support showing deducted from borrowers asset account. |
| 68641 | Acra Lending Flow | Property Value | propertyValuationPage | XXX | XXX | Appraised value XXX; XXX is sales price used for LTV |
| 68714 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Scores XXX |
| 69423 | Acra Lending Flow | Property Type | propertyValuationPage | Single Family Detached | PUD | Per appraisal SFR; no PUD |
| 69351 | Acra Lending Flow | Property Value | propertyValuationPage | XXX | XXX | Tape value unknown. Appraised value XXX, Post Close value XXX, Sales Price XXX |
| 69396 | Acra Lending Flow | Property Value | propertyValuationPage | XXX | XXX | 2 appraisals. Appraised value XXX and XXX, AVM XXX used for LTV |
| 69401 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Scores XXX, XXX, XXX. Lowest Mid Score is XXX |
| 69391 | Acra Lending Flow | Property Value | propertyValuationPage | XXX | XXX | Tape value unknown. Appraised value XXX, Post Close value XXX, Sales Price XXX |
| 69334 | Acra Lending Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Income verified is lower than lender calculations. DTI remains low. |
| 69419 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Scores XXX, XXX, XXX. Lowest Mid Score is XXX. |
| 69404 | Acra Lending Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Per approval, lender excluded debts from borrower as borrower is considered the business, DTI remains low. |

---

## Exhibit 99.08

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.08**

![](ex9908001.jpg)

**March 27, 2023**<br> **Due Diligence Narrative Report**<br>

![](ex9908002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 6 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Clayton Due Diligence Results** | **7** |
| **Data Compare Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **15** |

---

MFA 2023-NQM2 Due Diligence Narrative Report Page \| 1 March 27, 2023

![](ex9908002.jpg)

**Clayton Contact Information** 

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex9908003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![](ex9908003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview** 

On behalf of MFA, Clayton conducted an independent third-party pre-securitization due diligence review of 6 residential loans.

On behalf of Citadel Servicing, Clayton conducted an independent third-party pre-securitization due diligence review of 171 residential loans.

MFA subsequently purchased these loans via reliance letter and selected them for the MFA 2023-NQM2 Transaction.

The loans referenced in this narrative report were reviewed on a bulk and flow loan basis from November 2019 to January 2023. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

![](ex9908004.jpg)

MFA 2023-NQM2 Due Diligence Narrative Report Page \| 2 March 27, 2023

![](ex9908002.jpg)

**Clayton's Third Party Review ("TPR") Scope of Work** 

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review, and data integrity check.

---

| | |
|:---|:---|
| &nbsp;&nbsp; Review scope  | &nbsp;&nbsp; # of Files Reviewed  |
| &nbsp;&nbsp;&nbsp;Credit Review | &nbsp;&nbsp;&nbsp;177 |
| &nbsp;&nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;&nbsp;177 |
| &nbsp;&nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;&nbsp;177 |
| &nbsp;&nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;&nbsp;177 |

---

Loan Grading

Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton's loan grading is solely based on Clayton's independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

Clayton's loan grading complied with rating agency grading definitions published by Moody's, Standard and Poor's, Fitch, Morningstar, Kroll and DBRS.

![](ex9908005.jpg)

MFA 2023-NQM2 Due Diligence Narrative Report Page \| 3 March 27, 2023

![](ex9908002.jpg)

TPR Component Review Scope

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in the loan documentation provided to Clayton.

Credit Review

Clayton's Credit scope of review conducted on 177 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Compared the loan documentation found in the loan file to the origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these
against the stated seller origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Analyzed asset statements in order to determine that funds to close and reserves were within origination
guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Confirmed that credit scores (FICO) and credit histories were within origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Evaluated for evidence of borrower's willingness and ability to repay the obligation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Examined income, employment, assets, and occupancy status for reasonability;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Reviewed the occupancy, VOE and self/employed business documents within the loan file, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Listed the property type as Coop, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Reviewed for condo warranty documentation, as applicable;

Property Valuation Review

Clayton's Property Valuation scope of review conducted included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original Appraisal Assessment (177 loans)

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

– For more detail on the original appraisal review, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Value Supported Analysis (177 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall;

● AVM

● BPO

● Desk Review

● Field Review

For further detail please refer to the MFA 2023-NQM2 Valuations Summary Report

MFA 2023-NQM2 Due Diligence Narrative Report Page \| 4 March 27, 2023

![](ex9908002.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on this transaction included the elements summarized below.

(For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tested for state-specific consumer protection laws including late charge and prepayment penalty
provisions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Truth-in-lending/regulation Z (TILA) testing included the following:

– Notice of Right to Cancel (Right of Rescission) adherence if applicable;

– TIL Disclosure Timing (3/7/3) and disclosure content;

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

– Section 32 APR and Points and Fees Thresholds and prohibited practices;

– Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

– Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

– Prepayment Penalty restrictions; and

QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on <u>Appendix C</u> attached hereto.

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following, for loans other than 'Covered
Loans' and loans with an Application Date prior to 10/3/2015:

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

GFE to HUD1 evaluation for 0% and 10% fee tolerances;

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") firm's role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

On, June 15th, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

MFA 2023-NQM2 Due Diligence Narrative Report Page \| 5 March 27, 2023

![](ex9908002.jpg)

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by MFA.

<u>Compliance Review (Business Purpose, Non-Owner Occupied)</u> 

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

<u>State and Federal High Cost and Higher-Priced:</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;● Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Chicago High Cost Ordinance

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property. While the state of Illinois has similar language, Clayton's audit law firm determined that only principal residences should be tested for high cost.

<u>Anti-predatory lending laws</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;● Minnesota §58 on or after 8/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Virginia Lender and Broker Act after 6/1/2008

Prepayment Penalties and Late Charges in certain states

Taxpayer First Act: Consent to share IRS-provided tax information sent by the IRS on or after 12/28/2019.

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 177 reviewed loans, by completing the following steps:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tape data received from seller/client is stored in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan reviewer collects validated loan data in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Each received data point is compared to its counterpart collected data point;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Discrepancies found during comparison are stored;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Each discrepancy is reported in a Loan Level Tape Compare Upload.

MFA 2023-NQM2 Due Diligence Narrative Report Page \| 6 March 27, 2023

![](ex9908002.jpg)

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") tape. The file format was provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**Clayton Due Diligence Results** 

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

**<u>Initial and Final Overall Loan Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 81 |  | 9 | 32 | **122** |
| **Final** | **B** |  | 40 | 3 | 12 | **55** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **81** | **40** | **12** | **44** | **177** |

---

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

**<u>Initial and Final Credit Component Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 131 |  | 2 | 6 | **139** |
| **Final** | B |  | 35 |  | 3 | **38** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **131** | **35** | **2** | **9** | **177** |

---

**<u>Initial and Final Property Valuation Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 124 |  | 5 | 34 | **163** |
| **Final** | B | 1 | 12 |  | 1 | **14** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **125** | **12** | **5** | **35** | **177** |

---

MFA 2023-NQM2 Due Diligence Narrative Report Page \| 7 March 27, 2023

![](ex9908002.jpg)

**<u>Initial and Final Regulatory Compliance Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 160 |  | 5 | 3 | **168** |
| **Final** | B |  | 7 | 2 |  | **9** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **160** | **7** | **7** | **3** | **177** |

---

**<u>Initial and Final Overall Loan Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 81 |  | 7 | 28 | **116** |
| **Final** | **B** |  | 40 | 5 | 16 | **61** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **81** | **40** | **12** | **44** | **177** |

---

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

**<u>Initial and Final Credit Component Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 131 |  | 2 | 6 | **139** |
| **Final** | B |  | 35 |  | 3 | **38** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **131** | **35** | **2** | **9** | **177** |

---

**<u>Initial and Final Property Valuation Grade Results (S&P</u>)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 124 |  | 3 | 30 | **157** |
| **Final** | B | 1 | 12 | 2 | 5 | **20** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **125** | **12** | **5** | **35** | **177** |

---

MFA 2023-NQM2 Due Diligence Narrative Report Page \| 8 March 27, 2023

![](ex9908002.jpg)

**<u>Initial and Final Regulatory Compliance Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 160 |  | 5 | 3 | **168** |
| **Final** | B |  | 7 | 2 |  | **9** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **160** | **7** | **7** | **3** | **177** |

---

**data Compare Results** 

Clayton provided MFA with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 177 loans reviewed.

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of loans** | **Accuracy %** |
| Amortized Term | 1 | 99.44% |
| Borrower 1 First Name | 2 | 98.87% |
| Borrower 2 First Name | 4 | 97.74% |
| Borrower 2 Last Name | 7 | 96.05% |
| Cash Reserves | 1 | 99.44% |
| Credit Report Date | 2 | 98.87% |
| Debt to Income Ratio (Back) | 20 | 88.70% |
| Disbursement Date | 21 | 88.14% |
| First Rate Change Date | 4 | 97.74% |
| Loan Purpose | 2 | 98.87% |
| Maximum Rate | 4 | 97.74% |
| Next Rate Change Date | 1 | 99.44% |
| Original Appraisal Date | 8 | 95.48% |
| Original Appraised Value | 4 | 97.74% |
| Original P&I | 1 | 99.44% |
| Original Term | 1 | 99.44% |
| Origination Date | 5 | 97.18% |
| Property Type | 13 | 92.66% |
| Representative Credit Score for Grading | 8 | 95.48% |
| Total Monthly Income | 73 | 58.76% |

---

MFA 2023-NQM2 Due Diligence Narrative Report Page \| 9 March 27, 2023

![](ex9908002.jpg)

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF Upload Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Non ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Loan Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. 15E Form

MFA 2023-NQM2 Due Diligence Narrative Report Page \| 10 March 27, 2023

![](ex9908002.jpg)

**Appendix A: Credit Review Scope** 

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

A. Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition Criteria requirements
including:

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

○ Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

○ Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that approved exceptions included required, documented compensating factors

B. As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:

○ Uniform Residential Loan Application reviewed to determine:

– Initial loan application was in the loan file and was signed by all borrowers

– Final loan application was in the loan file and was complete

– Information and debts disclosed on loan application aligned with related documentation in the loan file

○ Employment analyzed and verified through use of various documents, including:

– Income documentation

– Verbal and/or written verifications of employments (VVOE, VOE)

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

– Required income documentation for all borrowers was present and within required time period

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Signed by all borrowers and processed by the originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Compared IRS tax transcripts to income documentation and noted any inconsistencies

– Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 1099

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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;■ IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Award letters

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Other documentation in loan file

○ Asset review included:

– Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Verification of deposits (VOD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Settlements statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Other documentation in loan file

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

– Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

– Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Leasehold estate

– Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

– Applicable title endorsements were present

– Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issues was addressed in the transaction

– Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

– Funds to close identified and analyzed against borrower's assets

– Seller contributions did not exceed maximum allowed

– Subject property, seller and borrower aligned with other loan documentation

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

○ Hazard/Flood insurance review included:

– Verified presence of required hazard insurance and flood insurance (if required)

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct property

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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;■ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

– Reviewed for evidence that any required insurance policy premium was paid

– Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the
mortgage or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped "true and certified
copy" by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence
for recording.

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in
the loan file to identify and address any potential misrepresentations including:

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

**Appendix B: Origination Appraisal Assessment** 

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified that the mortgage loan file contained an appraisal report and that it met the following
criteria:

○ Appraisal report used standard GSE forms, appropriate to the property type:

– FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

– FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

– FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

– FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

– FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

– FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

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○ Appraisal report was reasonably complete and included:

– Appraisal report form, certification, statement of limiting conditions and scope of work

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

– Accurate identification of the property type, in both land and improvements

– All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subject front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred
maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Photos of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Location map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Exterior sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 1004MC Market Conditions Report

– Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

– Appraisal date met supplied Sponsor Acquisition Criteria

– If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA
and USPAP based on the following criteria:

○ Title XI of FIRREA:

– Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

– Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants

○ USPAP

– Confirmed that the appraiser's certification is present and executed within the original appraisal.

C. Reviewed and graded the appraisal valuation to the following criteria:

○ Appraised value was reasonably supported. Utilized the following review in making value supported determination:

– Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

– Comps used were reasonably recent in transaction date and if not the reason was furnished

– Comps used were reasonably similar to the subject property and if not an explanation was supplied

– Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

○ Property was complete. However, if the property was not 100% complete, then any unfinished portion had no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

○ Appraisal was reviewed for any indication of property or marketability issues. Utilized the following key points in making determination:

– Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

– Property usage was reviewed for zoning compliance

– Property utilization was reviewed to determine it was "highest and best use"

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– Neighborhood values were reviewed to determine if declining

– Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Predominant occupancy

– Physical condition of the property was reviewed to determine that the property condition was average or better

– Style of property was reviewed to determine if unique property

– Any health and safety issues were noted and/or remediated

– Locational and/or environmental concerns adequately addressed if present

D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property
met the client supplied eligibility requirements. Examples of ineligible property types may include:

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any
FEMA Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster
declaration.

○ If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage has been indicated, and the amount of said damage.

F. Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

○ Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed valuation information for reasonableness

○ Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property

○ Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will not have any communication with or responsibility to any individual consumer concerning property valuation.

○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

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**Appendix C: Regulatory Compliance Review Scope** 

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

○ GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory on January 1, 2010

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

○ Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation within the loan file

○ Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

○ Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop for.

○ Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the disclosure was provided to the borrower

○ Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within 3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

○ TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.

○ Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after July 30, 2009 (Section 19)

○ ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan file

○ Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)

○ High Cost mortgage thresholds for points and fees (Section 32)

○ High Cost Prohibited Acts and Practices upon request (Section 33)

○ Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

○ Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)

○ ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

○ TILA/RESPA Integrated Disclosures ("TRID")

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Pre-application Requirement Testing:

● Pre-application forms cannot look similar to the LE

● Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Timing Requirements:

● The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

● The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

● That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fee Tolerances:

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

● If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Payment Schedule Accuracy:

● The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Accuracy of the Loan Calculations

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Technical Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

● Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

● Alphabetization of fees.

● Title fees preceded by "Title –."

● Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Consistency within and across forms

● Once a fee is disclosed it must remain substantially the same name across disclosures.

● Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

● Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

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● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Completion of the LE and CD

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Waivers

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Corrected CD requiring a new waiting period

● Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Post-Close CD's

● Corrected CD's provided with a post-close refund.

● Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Related Documentation

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Outside of Clayton's default TRID scope:

● Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

● Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

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**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| **Higher-Priced** | **Higher-Priced** | **Higher-Priced** |
| California | Maryland | New York |
| Connecticut | Massachusetts (subprime ARMS to first time homebuyers) | North Carolina |
| Maine | Minnesota | |

---

**B.** **State/Local High Cost** 

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp; Vermont <br> (High Rate, High Point law)  |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp; Ohio, including <br> Cleveland Heights ordinance  |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

MFA 2023-NQM2 Due Diligence Narrative Report Page \| 20 March 27, 2023

![](ex9908002.jpg)

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2023 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

MFA 2023-NQM2 Due Diligence Narrative Report Page \| 21 March 27, 2023

## Exhibit 99.09

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.09**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2023-NQM2** |
| **Start - End Dates:** | **9/6/2019 - 1/16/2023** |
| **Deal Loan Count:** | **177** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *177* |
| ***Loans with Conditions:*** | *103* |
| **65 - Total Active Conditions** | **65 - Total Active Conditions** |
| **65 - Non-Material Conditions** | **65 - Non-Material Conditions** |
|  | 46 - Credit Review Scope |
|  | 1 - Category: Application |
|  | 6 - Category: Assets |
|  | 20 - Category: Credit/Mtg History |
|  | 2 - Category: DTI |
|  | 6 - Category: Income/Employment |
|  | 2 - Category: Insurance |
|  | 5 - Category: LTV/CLTV |
|  | 4 - Category: Terms/Guidelines |
|  | 14 - Property Valuations Review Scope |
|  | 13 - Category: FEMA |
|  | 1 - Category: Property |
|  | 5 - Compliance Review Scope |
|  | 1 - Category: County High Cost |
|  | 1 - Category: Federal Higher-Priced |
|  | 1 - Category: State Consumer Protection |
|  | 1 - Category: TILA |
|  | 1 - Category: TILA/RESPA Integrated Disclosure |
| **90 - Total Satisfied Conditions** | **90 - Total Satisfied Conditions** |
|  | 12 - Credit Review Scope |
|  | 2 - Category: Application |
|  | 1 - Category: Assets |
|  | 2 - Category: Credit/Mtg History |
|  | 2 - Category: DTI |
|  | 1 - Category: Income/Employment |
|  | 2 - Category: Insurance |
|  | 2 - Category: Legal Documents |
|  | 58 - Property Valuations Review Scope |
|  | 45 - Category: Appraisal |
|  | 6 - Category: FEMA |
|  | 7 - Category: Value |
|  | 20 - Compliance Review Scope |
|  | 3 - Category: Compliance Manual |
|  | 17 - Category: TILA/RESPA Integrated Disclosure |
| **0 - Total Waived Conditions** | **0 - Total Waived Conditions** |
| <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.10

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.10**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2023-NQM2** |
| **Start - End Dates:** | **9/6/2019 - 1/16/2023** |
| **Deal Loan Count:** | **177** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *177* |
| ***Loans with Conditions:*** | *103* |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Initial S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 5002151 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing LOX in writing, HELOC, XXX, will be closed in writing from Bwr to XXX | 10/10/2019 Client Response: We have uploaded the payoff demand from XXX stating very clearly that the account has been frozen. This was acceptable to our underwriters. 10/10/2019 XXX reviewed the Client Response. | 10/10/2019 XXX reviewed the Client Response. Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Statements in file identified total assets of $23,018.52, reserves are not required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per CPA letter B1 has been employed from XXX |
| 5002151 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the original appraised value of $XXX. | 10.16.19 XXX AVM received, value supported. | 10.16.19 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Statements in file identified total assets of $23,018.52, reserves are not required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per CPA letter B1 has been employed from XXX |
| 5002977 | XXXXXX | VA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $52167.11 or 22 months PITIA, guidelines required 0 months PITIA. |
| 5003075 | XXXXXX | MD | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 85. AVM FSD of 15, exceeded max of 10. XXX ordered Desk Review on behalf of Client | 1/13/2022- VRA Desk Review received from XXX supporting appraisal value. | 1.13.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9 years at the current residence. |
| 5003488 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Insurance | Active | B | B | CRDINSR822 | Insurance Effective date is greater than the transaction date | No | Per guidelines, refinance transaction, current policy must have a remaining term of at least XXX (XXX) months. Loan closed XXX. Insurance ending date is XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 19 years and 5 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.99%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 qualifying score. Min required per guidelines is 675.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.11%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $55,628.92 or 27.41 months PITIA, guidelines required 0 months PITIA. |
| 5003567 | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken XXX, the intiial LE was not issued until XXX. Greater than the required XXX days | 11/11/2022: Client provided LE XXX | 11/11/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rental occupied residence for 10 years. and 7 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 7 years and 5 months. |
| 5003567 | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 11/16/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/16/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rental occupied residence for 10 years. and 7 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 7 years and 5 months. |
| 5003641 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD for XXX notary but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 2 years 7 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 32.80% |
| 5003641 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Assets verified at $113,631.33 less cash from borrower $95,442.47 equals $18,188.86 or 3.18 months PITIA. Required Reserves of 6 months PITIA. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 2 years 7 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 32.80% |
| 5003810 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 qualifying score. Min required per guidelines is 675<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $195,716.37 or 19.24 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 38.32%, max per guidelines is 50%. |
| 5003816 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 616 qualifying score. Min required per guidelines is 600.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 12 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has owned XXX for 12 years. |
| 5003822 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Assets verified at $157,488.48 less cash from borrower $83,347.33 equals $74,141.15 or 11.66 months PITIA. Required Reserves 12 months PITIA with 89.09% LTV. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years in current profession. |
| 5003822 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | Credit/Mtg History | Satisfied | B A | B A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Provide missing credit report. | 11/10/2022 lender provided Lender Credit Report | 11/10/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years in current profession. |
| 5003822 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | Credit/Mtg History | Satisfied | D A | D A | CRDCRMH189 | Missing credit report | No | Provide missing credit report. | 11/10/2022 lender provided Lender Credit Report | 11/10/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years in current profession. |
| 5003822 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | DTI | Active | B | B | CRDDTI187 | Debt Ratio > 50% | No | Total deposits equal $220,355.23 less excluded deposits $113,959.10 equals qualifying deposits $106,396.13 Monthly total is $8,866.14, plus $3673.73 REO Income = $12,540.07. PITIA $6358.86 / $12,540.07 = 50.71% DTI. Guidelines Max 50.49%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years in current profession. |
| 5003826 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | No option was marked on the Partial Payments section of the Loan Disclosures section of the final CD. Corrected on PCCD XXX. | (No Data) | Satisfied since correct on PCCD. | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 14 years and 8 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 24 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $44,189.88 or 40.15 months PITIA, guidelines required 0months PITIA |
| 5003843 | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Compliance | Federal Higher-Priced | Active | B | B | CMPFDHP2950 | Federal Higher-priced mortgage loan - No evidence that lender attempted to comply with appraisal Safe Harbor standards | No | TRID - NonQM loan | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI = 26.65 below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score = 739 exceeds guideline requirements |
| 5003843 | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Compliance | State Consumer Protection | Active | B | B | CMPSTCP1587 | MN Home Loan - Unable to Determine Repayment Ability Worksheet Date | No | TRID | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI = 26.65 below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score = 739 exceeds guideline requirements |
| 5003858 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 19 years and 1 month.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.69%, max per guidelines is 50%. |
| 5003860 | XXXXXX | UT | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 qualifying score. Min required per guidelines is 675. |
| 5003861 | XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH104 | Credit score below guidelines | No | Credit Score is 632. Per Lender Guidelines, Minimum Credit Score for Rural Location is 650. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $13,320.11 or 3.89 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 12 years and 5 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 632 qualifying score. Min required per guidelines is 625.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 13.84%, max per guidelines is 50%. |
| 5003861 | XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guidelines, XXX open/active tradelines are required. The borrower has XXX open tradelines | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $13,320.11 or 3.89 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 12 years and 5 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 632 qualifying score. Min required per guidelines is 625.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 13.84%, max per guidelines is 50%. |
| 5003862 | XXXXXX | IL | (No Data) | ATR/QM: Exempt B | Compliance | County High Cost | Active | B | B | CMPCHC5381 | ILCK High-Cost Loan by exceeding APR threshold | No | Rate for test is 10.249% and exceeds the benchmark rate of 3.480% by 6.769%, which is over the max. loan rate/benchmark difference of 6.00%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 5 years and 9 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Rental payment history is for 78 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $138,755.74 or 63.41 months PITIA, guidelines required 0 months PITIA. |
| 5003862 | XXXXXX | IL | (No Data) | ATR/QM: Exempt B | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 5% LTV exception. LTV is 70% using $XXX, loan amount, $XXX appraised value. Max allowed for investment property r rate term is 65%. \*\*Lender provided an exception\*\* | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 5 years and 9 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Rental payment history is for 78 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $138,755.74 or 63.41 months PITIA, guidelines required 0 months PITIA. |
| 5003892 | XXXXXX | TX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Consumer credit history is for 21 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $81,404.37 or 40.58 months PITIA, guidelines required 0 months PITIA. |
| 5003906 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has XXX at current job for 9 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.27% is below guideline requirement 50.0%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned departure residence for 8 years. |
| 5003908 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower does not meet the minimum tradelines of XXX open accounts aged for a minimum of XXX years. B1 has XXX open tradelines with maximum age of XXX months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.50% is below guideline requirement 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 qualifying score. Min required per guidelines is 675.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 3 years. |
| 5003908 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Insurance | Active | B | B | CRDINSR5083 | Insurance Policy deductible does not meet guidelines | No | Lender exception in file for insurance policy deductible of $XXX that exceeds the limit per guidelines of the lower $XXX or XXX% of amount of coverage. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.50% is below guideline requirement 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 qualifying score. Min required per guidelines is 675.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 3 years. |
| 7009894 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the original appraised value $XXX | 11.05.19 Desk Review received value supported. | 11.05.19 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14 years 6 months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 14 years |
| 7016698 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal value. | 11.06.19 Desk Review received value supported. | 11.06.19 Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| 7026643 | XXXXXX | WA | (No Data) | ATR/QM: Exempt B | Compliance | TILA | Active | B | B | CMPTILA4787 | TILA - Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. | No | Missing confirmation of business use of funds. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 credit score. Minimum required is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 21.89% below maximum allowed of 50%. |
| 7026643 | XXXXXX | WA | (No Data) | ATR/QM: Exempt B | Property Valuations | Appraisal | Satisfied | N/A | N/A | PRVAAPPR5331 | Most recent FSD score outside of approved variance | No | FSD score of .20 is outside the allowed variance of .13. | 2.24.2021- Lender provided desk review supporting appraisal value. | 2.24.2021- Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 credit score. Minimum required is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 21.89% below maximum allowed of 50%. |
| 7026643 | XXXXXX | WA | (No Data) | ATR/QM: Exempt B | Property Valuations | FEMA | Active | N/A B | N/A B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXX- Severe Storms, Flooding, Mudslides, and Landslides -. XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 credit score. Minimum required is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 21.89% below maximum allowed of 50%. |
| 7026643 | XXXXXX | WA | (No Data) | ATR/QM: Exempt B | Property Valuations | Value | Satisfied | N/A | N/A | PRVAVALU4863 | Value Not Supported | No | XXX AVM from XXX shows a value of $XXX. AVM confidence score of 89 is below the 90 minimum required. Lender to provide copy of additional valuation to support original appraised value. | 01.19.2021 An AVM was received with a reported value of $XXX which supports the original appraised value. | 01.19.2021 Exception satisfied. | Not Required | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 credit score. Minimum required is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 21.89% below maximum allowed of 50%. |
| 7033737 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | XXX Application Form is Outdated. Application was taken XXX. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Verified Assets $111,493 less Cash to Close $83,526, Reserves $27,967 or 14 months PITIA. Reserves are not required due to 66% LTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Per 1003 Loan Application, Borrower has resided at current address for 8 years. |
| 7036119 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 02/08/2022- VRA Desk Review received from XXX supporting appraisal value. | 02/08/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.10%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 qualifying score. Min required per guidelines is 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 44 years and 3 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $47,662.83 or 23.12 months PITIA, guidelines required 0 months PITIA. |
| 7036489 | XXXXXX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $142566.05 or 76 months PITIA, guidelines required 0 months PITIA. |
| 7036573 | XXXXXX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 25 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash in hand of $30,268.98/9.78 months reserves. No reserves required. |
| 7036620 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 85. AVM FSD of 15, exceeded max of 10. XXX ordered Desk Review on behalf of Client. | 01/17/2022- VRA Desk Review received from XXX supporting appraisal value. | 01/17/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.45%; max allowed per guidelines is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $235,650.02 or 123 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 qualifying score. Min required per guidelines is 700. |
| 7036669 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 91. AVM FSD of 9, exceeded max of 8. XXX order Desk Review on behalf of Client. | 03/07/2022- VRA Desk Review received from XXX supporting appraisal value. | 03/07/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 801 exceeds minimum credit score of 750, 51 points.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduction from $1,562.50 to $922.39.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $173,805.76. Cash to close $9,228.20. Post-closing cash reserves $164,577.56/148.61 months reserves. No reserves required. |
| 7036999 | XXXXXX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.02%; max allowed per guidelines is 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0x30x43, GL require 0x30x12<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $6681.05 or 426 months PITIA, reserves not required due to 71.02% LTV |
| 7037284 | XXXXXX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.92%; max allowed per guidelines is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $110,802.05 or 42.55 PITI, reserves not required due to 59.92% LTV |
| 7037331 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Appraisal and AVM Values exceed Purchase Price | 01/14/2022- VRA Desk Review received from XXX supporting appraisal value. | 01/14/2022- Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 801 exceeds the Program Guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.67% is lower than the Program Guidelines of XXX%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at the current residence. |
| 7037450 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 89. AVM FSD of 11, exceeded max of 8. XXX order Desk Review on behalf of Client. | 01/14/2022- CDA Desk Review received from XXX supporting appraisal value. | 01/14/2022- Exception satisfy | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 3 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $148,932.59 or 118.44 months PITIA, guidelines required 0 months PITIA. |
| 7037450 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Per the appraisal, the inspection has been completed subject to the following: bedroom XXX locked and could not be inspected. no completion certification on file. | 2/4/2022- Lender provided cutoff 1004D report. Exception remain. Provide full report not cutoff.2.7.2022- Lender provided complete 1004D | 2.7.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 3 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $148,932.59 or 118.44 months PITIA, guidelines required 0 months PITIA. |
| 7037775 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value. XXX ordered on behalf of client | 12/23/21 Updated valuation received | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years & 7 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $201,088.44 or 75.90 mo. PITIA, Reserves not required due to 75% LTV and AAA credit grade. |
| 7037775 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM received dated XXX with an estimated value of $XXX and confidence score of 84. AVM FSD of 16 exceeds max of 10. Desk review is required. XXX ordered on behalf of client. | 1/13/2022- VRA Desk Review received from XXX supporting appraisal value. | 1/13/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years & 7 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $201,088.44 or 75.90 mo. PITIA, Reserves not required due to 75% LTV and AAA credit grade. |
| 7037953 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID4009 | TRID - CD: The CD Projected Payments section is missing an indicator as to whether or not Other payments included in the estimate are included In Escrow | No | On the initial, final CD and PCCD on the Projected Payments section, Other in escrow field shows "Some". | 1/6/2022: Lender provided PCCD XXX with the costs that are not escrowed listed in Loan Disclosures section. Since the XXX costs are escrowed and the Association Dues are not "Some" is properly disclosed in Projected Payments section. | 1/6/2022: Exception satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 19.18%, FTHB max with no housing history 43%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 11 years in current self employment<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 788, Min 750<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower is 15 years at current primary residence. |
| 7038021 | XXXXXX | MD | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 811 exceeds the Program Guidelines of 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 2 years 4 months at the current residence. |
| 7038402 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Property Valuations | FEMA | Satisfied | C A | C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX FEMA Disaster- Wildfires and Straight-Line Winds | 01/25/2022 lender provided Property Inspection report, dated XXX, indicating no damage. | 01/25/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 85%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $106,556.10 or 23.86 months PITIA, guidelines required 6 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 42.66%, max per guidelines is 50%. |
| 7039314 | XXXXXX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $150,011.25 less cash from borrower $134,511.28 equals $15,499.97 or 6.93 months PITIA. No reserves required. |
| 7041413 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 39.45%, max per guidelines is 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 104 months when 24 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 666 qualifying score. Min required per guidelines is 650. |
| 7042381 | XXXXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 12 years and 2 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 21 years and 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.82%; max allowed per guidelines is 65%. |
| 7042542 | XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A B | A B | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | On the final CD the Partial Payments section of the Loan Disclosures section does not have a option checked. | 10/26/2022: Client confirmed CD XXX is consummation CD. | 10/26/2022: Exception satisfied since correct on PCCD. | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 39.00%, max per guidelines is 50.49%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been 21 years in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 699 qualifying score. Min required per guidelines is 675. |
| 7042542 | XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX and confidence score of 87. AVM FSD of 13, exceeded max of 10. XXX order Desk Review on behalf of Client. | 08/12/2022- VRA Desk Review received from XXX supporting appraisal value. | 08/12/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 39.00%, max per guidelines is 50.49%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been 21 years in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 699 qualifying score. Min required per guidelines is 675. |
| 7043330 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 86. AVM FSD of 14, exceeded max of 10. XXX order Desk Review on behalf of Client. | 11/04/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/04/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 41.69% is below guideline requirements 70.0%. |
| 7043330 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | XXX discloses -19.93% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. XXX order on behalf of client. | 11/04/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/04/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 41.69% is below guideline requirements 70.0%. |
| 7043398 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Per exception, borrowers are refinancing XXX loans with Lender. Per guidelines, maximum financed properties is XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been employed in same profession for 15 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $314,340.22 or 194.16months PITIA, guidelines required 0 months PITIA<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 5.54%, max per guidelines is 50%. |
| 7043398 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX and confidence score of 76. AVM FSD of 24, exceeded max of 10. XXX order Desk Review on behalf of Client. | 12/29/2022- VRA Desk Review received from XXX supporting appraisal value. | 12/29/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been employed in same profession for 15 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $314,340.22 or 194.16months PITIA, guidelines required 0 months PITIA<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 5.54%, max per guidelines is 50%. |
| 7043398 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | Property Valuations | FEMA | Active | B | B | PRVAFEMA229 | Natural Disaster Area, Subseq inspect prior to Disaster (Public) | No | No inspection since the FEMA Disaster XXX - Hurricane XXX-. XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been employed in same profession for 15 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $314,340.22 or 194.16months PITIA, guidelines required 0 months PITIA<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 5.54%, max per guidelines is 50%. |
| 7043414 | XXXXXX | TX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 35 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 qualifying score. Min required per guidelines is 750. |
| 7043594 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 57. AVM FSD of 43, exceeded max of 10. XXX order Desk Review on behalf of Client. | 11/04/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/04/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5.5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has owner XXX for 13.5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 28.70%, max per guidelines is 50%. |
| 7043594 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | XXX discloses -38.75% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. XXX order on behalf of client. | 11/04/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/04/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5.5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has owner XXX for 13.5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 28.70%, max per guidelines is 50%. |
| 7043599 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 75. AVM FSD of 25, exceeded max of 10. XXX order Desk Review on behalf of Client. | 11/10/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/10/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at current XXX job for 18 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.28% is below guideline requirement 43.0%. |
| 7043599 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | XXX discloses -85.78% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. XXX order on behalf of client. | 11/10/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/10/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at current XXX job for 18 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.28% is below guideline requirement 43.0%. |
| 7043614 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Guidelines required XXX open/active tradelines The borrower has XXX open tradelines | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 645 qualifying score. Min required per guidelines is 625.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 15.42%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.72%; max allowed per guidelines is 65%. |
| 7043614 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 89. AVM FSD of 11, exceeded max of 10. XXX order Desk Review on behalf of Client. | 10/31/2022- VRA Desk Review received from XXX supporting appraisal value. | 10/31/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 645 qualifying score. Min required per guidelines is 625.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 15.42%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.72%; max allowed per guidelines is 65%. |
| 7043694 | XXXXXX | TX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.57%; max allowed per guidelines is 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $54,220.54 or 27.36 months PITIA, guidelines required 0 months PITIA. |
| 7043701 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years and 7 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years and 8 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 681 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 38.47% |
| 7043745 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Property Valuations | FEMA | Active | B | B | PRVAFEMA229 | Natural Disaster Area, Subseq inspect prior to Disaster (Public) | No | No inspection since the FEMA Disaster (XXX) - (Hurricane). XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. 1004D dated XXX applied to reinspection of required repairs and does not refer to an inspection due to the recent storm. Exception remains. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been employed same profession for 19 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.41%, max per guidelines is 50%. |
| 7043844 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 88. AVM FSD of 12, exceeded max of 10. XXX order Desk Review on behalf of Client. | 10/31/2022- VRA Desk Review received from XXX supporting appraisal value. | 10/31/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 16 years and 8 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 28 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $53,899.58 or 14.18 months PITIA, guidelines required 0 months PITIA |
| 7043869 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3706 | TRID - Curable Issue #1 related to the Closing Disclosure in file | No | XXX High-Cost Loan by exceeding point and fee threshold XXX Please provide Pricing Worksheet/other document to verify benefit of discount. XXX High-Cost Loan by exceeding point and fee threshold, | 10/28/2022: Client provided XXX. After review from Sr. Compliance, it appears the Discount Points are bona fide; however, there is no documentation in the file to support that with a starting rate. Please provide documentation of Bona Fide points. Exception remains. 12/15/2022: Client provided LOE to borrower, refund check for $XXX, proof of delivery and re-opened rescission. After review from Sr. Compliance, exception can satisfy on XXX after the end of the new rescission period. | 12/20/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 22 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX as XXX an XXX for 5 years and 8 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.75%; max allowed per guidelines is 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $34,784.11 or 12.46 months PITIA, guidelines required 0 months PITIA. |
| 7043875 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.03%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 668 qualifying score. Min required per guidelines is 650.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 44.71%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $8,771.93 or 4.67 months PITIA, guidelines required 0 months PITIA. |
| 7043898 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 7 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: the borrower has been a XXX for 21 years |
| 7043920 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | The APR increased above tolerance on CD XXX requiring a new XXX day waiting period from delivery of that CD. However, CD XXX is not signed by borrower and there is no evidence in file to determine if it was delivered at least XXX days prior to consummation date of XXX. Provide evidence of borrower receipt of CD XXX. | 11/30/2022: Lender provided disclosure tracking for CD XXX. | 11/30/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years and 6 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 7 years in current profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 681 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 16.69% |
| 7043920 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Initial CD: XXX APR Stated as 7.595%, Final CD: XXX APR Stated as 9.503%, difference of 1.908% exceeds tolerance of 0.125%. CD XXX discloses the new higher APR but it is not signed by borrower and there is no evidence in file to determine if it was delivered at least XXX days prior to consummation date of XXX. Provide evidence of borrower receipt of CD XXX | 11/30/2022: Lender provided disclosure tracking for CD XXX. | 11/30/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years and 6 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 7 years in current profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 681 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 16.69% |
| 7043935 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH104 | Credit score below guidelines | No | Lender exception for Credit Score 562 that is below the minimum of 575. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.28% is below guideline requirement 43%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been at current job for 6 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned current residence for 9 years. |
| 7043974 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 663 qualifying score. Min required per guidelines is 650.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 31 years and 8 months in current profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 70% File LTV 46.30% |
| 7043981 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXX- Hurricane XXX-. XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 35 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 qualifying score. Min required per guidelines is 725. |
| 7043988 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster (XXX) - (Hurricane). XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 20 months when 12 months are required. |
| 7043993 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 qualifying score. Min required per guidelines is 700. |
| 7044006 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $XXX due to Discount points increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 11/14/2022: Client provided valid COC for increase. | 11/14/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 682 qualifying score. Min required per guidelines is 675.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $407,746.05 or 101.57 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 9.86%, max per guidelines is 50%. |
| 7044006 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guidelines, XXX open/active tradelines are required. The borrower has XXX open tradelines | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 682 qualifying score. Min required per guidelines is 675.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $407,746.05 or 101.57 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 9.86%, max per guidelines is 50%. |
| 7044013 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 qualifying score. Min required per guidelines is 728.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 6 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $262,064.45 or 62.16 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 26.86%, max per guidelines is 50%. |
| 7044021 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves =$49.179.15 or 8.07 months reserves. exceeds 6 month requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score = 748 exceeds guidelines minimum of 725. |
| 7044027 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 37.62% |
| 7044039 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | CD XXX is only CD in file. Provide final CD that was signed on XXX. | 10/31/2022: Client provided CD XXX. | 10/31/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years in current profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 85% File LTV 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 qualifying score. Min required per guidelines is 750. |
| 7044039 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXX- Hurricane XXX-. XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years in current profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 85% File LTV 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 qualifying score. Min required per guidelines is 750. |
| 7044046 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 19 years and 1 month.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 25 years and 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 46.26%; max allowed per guidelines is 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 24 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $100,143.24 or 42.28 months PITIA, guidelines required 0 months PITIA. |
| 7044052 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Statement needed for XXX Insurance. | 11/14/2022 lender response: XXX is only listed as an asset but is not needed for closing, asset depletion or reserves. Cash out refi so no closing funds needed, asset depletion not used since it was XXX and no XXX taken in last XXX months with 49% LTV being low enough also not requiring any reserves. 11/14/2022 XXX reviewed lender response. Loan Purpose is Rate & Term Refinance with Borrower bringing $XXX to closing, per PCCD, dated XXX. Exception remains. 12/2/2022- Lender responded; Please escalate to Mgmt. since this is not XXX guideline requirement. regardless of funds brought by borrower, as refi loan, considering 65% LTV, no closing funds required, therefore, no further asset verification becomes necessary Exception remains; On page XXX of the XXX guidelines verification of funds is required an all purchase/rate term refinance. Seasoning is required for funds needing is XXX to close and its greater than XXX it will be required be source. Also loan is not an cash out since the loan amount is only paying XXX of the XXX to payoff current mortgage. 12/08/2022 lender response: Credit Memo dated XXX uploaded reflecting updated language regarding section 8.4 for clarity on asset verification. regardless of loan type and funds to close amount, verification of seasoning of funds not required on loans with LTV of 65% or less. also per this memo, XXX funds to close rule does not apply to this loan | 12/08/2022 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years in current profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 75% File LTV 48.39% |
| 7044052 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 81. AVM FSD of 19, exceeded max of 10. XXX order Desk Review on behalf of Client. | 10/31/2022- VRA Desk Review received from XXX supporting appraisal value. | 10/31/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years in current profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 75% File LTV 48.39% |
| 7044053 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID3492 | TRID - Waiver of TRID waiting period in file | No | XXX Letter from borrowers waiting the three day waiting period in file. | 10/31/2022: Client confirmed that this exception can stay active XXX and exceptions XXX and XXX will be cancelled. | 10/31/2022: Exception to remain active XXX since exceptions XXX and XXX are cancelled. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $453,719.85 or 99.05 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 7 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 80%. |
| 7044077 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXX- Hurricane XXX-. XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 47 months 0 x 30 when 12 months are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years and 1 month at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 637 qualifying score. Min required per guidelines is 625. |
| 7044093 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 85. AVM FSD of 15, exceeded max of 10. XXX order Desk Review on behalf of Client. | 11/10/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/10/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 qualifying score. Min required per guidelines is 700. |
| 7044094 | XXXXXX | MD | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.04%; max allowed per guidelines is 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 3 years. |
| 7044113 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 qualifying score. Min required per guidelines is 725.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $50,324.83 or 21.43 months PITIA, guidelines required 0 months PITIA. |
| 7044123 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 qualifying score. Min required per guidelines is 750<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 6 years and 8 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.92%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $132,212.50 or 18.83 months PITIA, guidelines required 6 months PITIA. |
| 7044130 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXX- Hurricane XXX-. XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 qualifying score. Min required per guidelines is 675.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $292,832.96 or 9.73 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.45%, max per guidelines is 50%. |
| 7044138 | XXXXXX | TX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years and 5 months in current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 80% File LTV 59.99% |
| 7044182 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXX- Hurricane XXX. XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 31.25% is below guideline requirements 75%. |
| 7044196 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX statement XXX for account ending in XXX | 11/02/2022 lender provided XXX Bank Statement | 11/02/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 659 qualifying score. Min required per guidelines is 650.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $3,495.89 or 0.99 months PITIA, guidelines do not require Reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.25%, max per guidelines is 50%. |
| 7044196 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXX Hurricane XXX. XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 659 qualifying score. Min required per guidelines is 650.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $3,495.89 or 0.99 months PITIA, guidelines do not require Reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.25%, max per guidelines is 50%. |
| 7044202 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.07%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: the borrower has owned XXX for 28 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 30.30%, max per guidelines is 50%. |
| 7044237 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 qualifying score. Min required per guidelines is 650. |
| 7044246 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D B | Credit | Terms/Guidelines | Active | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount of $XXX is below minimum for lender's guidelines of $XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $188,522.69 or 183.12 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 qualifying score. Min required per guidelines is 750. |
| 7044246 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 79. AVM FSD of 21, exceeded max of 10. XXX order Desk Review on behalf of Client. | 12/20/2022- VRA Desk Review received from XXX supporting appraisal value. | 12/20/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $188,522.69 or 183.12 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 qualifying score. Min required per guidelines is 750. |
| 7044252 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 5% LTV exception. LTV is 85% using $XXX,XXX, loan amount, $XXX,XXX appraised value. Max allowed for primary residence rate term is 80%. \*\*Lender provided and exception for 85% LTV.\*\* | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 12 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX. for 9 years and 9 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 13.86%, max per guidelines is 50% |
| 7044258 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guidelines, for LTVs less than or equal to 65%, XXX (XXX) tradelines are required but only XXX (XXX) of the tradelines needs to be seasoned greater than XXX (XXX) years. Credit report confirms borrower with one tradelines within the last XXX years. \*\*Lender approved an exception for less than minimum XXX trade lines.\*\* | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50.58%; max allowed per guidelines is 70% (First time home-buyer with no housing history). |
| 7044258 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Income/Employment | Active | B | B | CRDINC150 | Income docs do not meet guidelines | No | Per guidelines for First Time Home Buyers, for a primary residence purchase, is absent a complete rental history for the prior XXX (XXX) consecutive months, or is currently not paying any rent, that borrower is limited to: (a) 70% maximum LTV; (b) 43% maximum DTI; and (c) Qualifying income with Full Doc or 12-Month Month Bank Statement Programs. Per loan documents, borrower does not have 12 months rental history, therefore, ATR-in-Full Income Documents does not meet guidelines for First Time Home Buyer with no rental history. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50.58%; max allowed per guidelines is 70% (First time home-buyer with no housing history). |
| 7044261 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | Credit | Income/Employment | Active | B | B | CRDINC150 | Income docs do not meet guidelines | No | Letter of explanation provided in the credit file, states that from XXX to Mid XXX XXX property was vacant from doing renovations. Per guidelines, for DSCR, lender will accept short term rentals with XXX month ledgers from XXX, which as stated was vacant for the previous XXX months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 5 years and 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 651 qualifying score. Min required per guidelines is 625.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 80 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $101,048.58 or 49.08 months PITIA, guidelines required zero months PITIA. |
| 7044261 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | Property Valuations | FEMA | Satisfied | A | A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | PDI dated XXX indicating no damage. Exception satisfied. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 5 years and 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 651 qualifying score. Min required per guidelines is 625.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 80 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $101,048.58 or 49.08 months PITIA, guidelines required zero months PITIA. |
| 7044277 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $60,512.52 or 8.77 months PITIA, guidelines required 6 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 44.09%, max per guidelines is 50%. |
| 7044281 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guidelines, XXX open/active tradelines are required. The borrower has XXX open tradelines | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.99%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $22,235.89 or 9.49 months PITIA, guidelines required 0 months PITIA. |
| 7044281 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | Property Valuations | FEMA | Satisfied | A | A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | Satisfy Exception Disaster date XXX Hurricane XXX Post Disaster inspection completed XXX with no damages | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.99%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $22,235.89 or 9.49 months PITIA, guidelines required 0 months PITIA. |
| 7044283 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 641 qualifying score. Min required per guidelines is 625.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $872,715.89 or 130.66 months PITIA, guidelines required 0 months PITIA. |
| 7044285 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | At 90% LTV, required Reserves are 12 months PITIA. Verified Assets of $106,342.52, less Cash to Close $60,847.20 = Reserves $45,495.32 or 10.62 months PITIA. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 qualifying score. Min required per guidelines is 750.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 6 years in current profession. |
| 7044288 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years and 3 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 29 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 618 qualifying score. Min required per guidelines is 600.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 13.85% |
| 7044291 | XXXXXX | TX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 27 years. |
| 7044293 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 15 years and 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65.0%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $82,590.00 or 12.51 months PITIA, guidelines required 0 months PITIA. |
| 7044314 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | The Partial Payments section of the Loan Disclosures section has no options selected on final CD dated XXX. Corrected on PCCD XXX. | (No Data) | Satisfied since corrected on PCCD. | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 30.65%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $935,384.38 or 227.01 months PITIA, guidelines required 0 months PITIA. |
| 7044314 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH104 | Credit score below guidelines | No | Per lender credit report, dated XXX, credit score used to determine approval, is 567. Minimum credit score reflected on matrix, dated XXX, is 575. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 30.65%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $935,384.38 or 227.01 months PITIA, guidelines required 0 months PITIA. |
| 7044314 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | DTI | Active | B | B | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of insurance for property located at XXX, shown on credit report with a payment of $XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 30.65%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $935,384.38 or 227.01 months PITIA, guidelines required 0 months PITIA. |
| 7044325 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 10.75%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $93,181.10 or 21.67 months PITIA, guidelines required 0 months PITIA. |
| 7044342 | XXXXXX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 80% File LTV 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 qualifying score. Min required per guidelines is 750. |
| 7044352 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 50. AVM FSD of 50, exceeded max of 10. XXX order Desk Review on behalf of Client. | 12/27/2022- VRA Desk Review received from XXX supporting appraisal value. | 12/27/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years and 0 months at current residence. |
| 7044356 | XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 644 qualifying score. Min required per guidelines is 625.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 19 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 42.28%, max per guidelines is 50%. |
| 7044360 | XXXXXX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years and 11 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 659 qualifying score. Min required per guidelines is 650. |
| 7044375 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 76. AVM FSD of 24, exceeded max of 10. XXX order Desk Review on behalf of Client. | 11/11/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/11/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 qualifying score. Min required per guidelines is 650. |
| 7044410 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | Property Valuations | FEMA | Satisfied | C A | C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX Fema Disaster- Hurricane XXX. | 11/22/2022 lender provided PDI, dated XXX, with no damages. | 11/22/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $508,092.56 or 120.56 months PITIA, guidelines required 0 months PITIA. |
| 7044420 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | LTV/CLTV | Active | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | current LTV 80%max LTV for rural property is 70% | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $182,647.51 or 21.45 months PITIA, guidelines required 6 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 22.17%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 qualifying score. Min required per guidelines is 725. |
| 7044420 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 79. AVM FSD of 21, exceeded max of 10. XXX order Desk Review on behalf of Client. | 11/10/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/10/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $182,647.51 or 21.45 months PITIA, guidelines required 6 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 22.17%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 qualifying score. Min required per guidelines is 725. |
| 7044427 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client | 12/23/2022- VRA Desk Review received from XXX supporting appraisal value. | 12/23/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $28,894.90 or 17.30 months PITIA, guidelines required 6 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 qualifying score. Min required per guidelines is 750. |
| 7044437 | XXXXXX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 45.94%; max allowed per guidelines is 65%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 24 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $203,430.33 or 74.46 months PITIA, guidelines required 0 months PITIA. |
| 7044458 | XXXXXX | HI | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 25 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 qualifying score. Min required per guidelines is 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 65%. |
| 7044479 | XXXXXX | SC | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years and 3 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 qualifying score. Min required per guidelines is 750. |
| 7044483 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 34.48%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $158,696.71 or 71.08 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.75%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 611 qualifying score. Min required per guidelines is 600. |
| 7044499 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Need evidence of Change of Circumstances letter or a copy of a refundable check in the amount of $XXX for 10% Tolerance Fee, for increased Recording fee. | 1.4.23 Client provided COC. | 1/4/2023: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 674 qualifying score. Min required per guidelines is 650.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 3 years. |
| 7044500 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 85%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $110,469.67 or 25.21 months PITIA, guidelines required 12 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 15.77%, max per guidelines is 50%. |
| 7044507 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.73%; max allowed per guidelines is 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 603 qualifying score. Min required per guidelines is 575.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 35 years and 9 months at current residence. |
| 7044508 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 33 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $62,779.32 or 22.64 months PITIA, guidelines required 6 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.85%, max per guidelines is 50%. |
| 7044579 | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.33%; max allowed per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 13.28%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $2,573,118.06 or 191.13 months PITIA, guidelines required 0 months PITIA |
| 7044581 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guidelines, for LTVs less than or equal to 65%, XXX (XXX) tradelines are required but only XXX (XXX) of the tradelines needs to be seasoned greater than XXX (XXX) years. Per credit report, borrower has one open account and one account with last activity XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 52.50%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,455,184.16 or 216.69 months PITIA, guidelines required 0 months PITIA. |
| 7044581 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 84. AVM FSD of 16, exceeded max of 10. XXX order Desk Review on behalf of Client. | 11/14/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 52.50%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,455,184.16 or 216.69 months PITIA, guidelines required 0 months PITIA. |
| 7044586 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; max allowed per guidelines is 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 44.32%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,263,512.79 or 188.05 months PITIA, guidelines required 6 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 3 years. |
| 7044599 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client | 12/20/2022- VRA Desk Review received from XXX supporting appraisal value. | 12/20/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years and 7 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been employed in the XXX for 20 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 18.79%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $33,216.71 or 10.12 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 qualifying score. Min required per guidelines is 725. |
| 7044618 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | Property Valuations | FEMA | Satisfied | C A | C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX Fema Disaster- Hurricane | 12/28/2022 lender provided Post Disaster Inspection Report | 12/28/2022 Post Disaster Inspection Report provided, no indication of damage. FEMA Disaster is Public & Individual. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.14%; max allowed per guidelines is 75%. |
| 7044627 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing PITI on property located at XXX. | 12/09/2022 lender provided PITI for non-subject property | 12/09/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $4,182,359,29 or 549.77 months PITIA, guidelines required 0 months PITIA. (Approval states 9 additional properties are being bought, which would affect reserves)<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 15 months when 12 months are required. |
| 7044628 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | XXX discloses -13.33% variance with a value of $XXX, and the OA value is $XXX. A Desk Review is required. XXX order on behalf of client. | 11/16/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/16/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 year in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 645 qualifying score. Min required per guidelines is 625.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 31.91% |
| 7044726 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower does not meet minimum credit requirements of XXX open tradelines aged for XXX years. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.39% is below guideline requirement 50.0%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 10 years. |
| 7044731 | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 76. AVM FSD of 24, exceeded max of 10. | 11/02/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/02/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 623 qualifying score. Min required per guidelines is 575.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years in current profession. |
| 7044752 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D C B | Credit | DTI | Satisfied | C A | C A | CRDDTI187 | Debt Ratio > 50% | No | Missing rental income/documents for rental properties, located at XXX XXX, XXX to offset payments. | 01/05/2023 lender provided XXX uploaded reflecting Rent on XXX non subject properties | 01/05/2023 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 669 qualifying score. Min required per guidelines is 650.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.310%; max allowed per guidelines is 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $132,459.02 or 44.83 months PITIA, guidelines required 6 months PITIA. |
| 7044752 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D C B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 88. AVM FSD of 12, exceeded max of 10. XXX order Desk Review on behalf of Client. | 01/04/2023 VRA Desk Review received from XXX did not support appraised value. | 01/04/2023 Exception satisfied; a Field Review is now required. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 669 qualifying score. Min required per guidelines is 650.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.310%; max allowed per guidelines is 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $132,459.02 or 44.83 months PITIA, guidelines required 6 months PITIA. |
| 7044752 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D C B | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | 12/31/2022 XXX discloses -15% variance with a value of $XXX and the OA value is $XXX. A Field Review is required. | 01/11/2023 lender provided Field Review | 01/11/2023 exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 669 qualifying score. Min required per guidelines is 650.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.310%; max allowed per guidelines is 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $132,459.02 or 44.83 months PITIA, guidelines required 6 months PITIA. |
| 7044769 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years and 8 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 qualifying score. Min required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,287,955.50 or 161.34 months PITIA, guidelines required 0 months PITIA. |
| 7044858 | XXXXXX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 15 years. |
| 7044866 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 80. AVM FSD of 20, exceeded max of 10. XXX order Desk Review on behalf of Client. | 11/16/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/16/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 qualifying score. Min required per guidelines is 750. |
| 7044876 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Primary borrower per Note and Guaranty does not meet the minimum required tradelines of XXX open trades aged individually for minimum of XXX years for LTV > 65%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 785 is exceeds guidelines 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $345,176.59 exceed guidelines $0. |
| 7044876 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXX- Hurricane XXX-. XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 785 is exceeds guidelines 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $345,176.59 exceed guidelines $0. |
| 7044886 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Per COC missing LE dated XXX. | 1/16/2023: Client provided missing LE. | 1/16/2023: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below max LTV of 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 12 years. |
| 7044899 | XXXXXX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $16,182.45 or 10.13 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 668 qualifying score. Min required per guidelines is 650.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years. |
| 7044900 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Income/Employment | Active | B | B | CRDINC2408 | Income verification does not meet guidelines | No | XXX income verification less than 24 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 qualifying score. Min required per guidelines is 675.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 17 years and 1 month at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 35.31% |
| 7044934 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $161,891.79 or 57.69 months PITIA, guidelines required 6 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 671 qualifying score. Min required per guidelines is 650.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 25.06%, max per guidelines is 50%. |
| 7044978 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 43.60%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 27.31%, max per guidelines is 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 29 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has owned XXX for 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $62,851.10 or 11.20 months PITIA, guidelines required 0 months PITIA. |
| 7044986 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Per guidelines, a mortgage rating for a lien owned by private party or non-institutional lender will require a mortgage history to be documented with twelve (XXX) months cancelled checks (front and back) or, if paid by cashiers or postal checks copies of the past twelve (XXX) months. A VOM from a Private Party may be accepted for non-subject property(ies). XXX months mortgage rating is missing from credit file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $92,347.25 or 13.67 months PITIA, guidelines required 0months PITIA. |
| 7044986 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt B | Credit | Income/Employment | Active | B | B | CRDINC150 | Income docs do not meet guidelines | No | Per guidelines for DSCR, XXX calculates the DSCR by dividing (a) the lesser of (i) annual in-place rent or(ii) market rent. Missing lease agreement to confirm the less of the two. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $92,347.25 or 13.67 months PITIA, guidelines required 0months PITIA. |
| 7044986 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt B | Property Valuations | Property | Active | B | B | PRVAPROP2674 | Property Issues Indicated 2 | No | Per guidelines, if the subject property has been listed for sale in the last XXX (XXX) months from the date of funding by XXX, the transaction is ineligible. Appraisal reflects subject property was listed on XXX $XXX. Listing was cancelled XXX and relisted XXX for $XXX. Listing was withdrawn XXX and canceled XXX. Subject transaction closed XXX. \*\*Exception, per Sr. Management Review exception for property listed for sale XXX months requires XXX% Fee to XXX.\*\* | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $92,347.25 or 13.67 months PITIA, guidelines required 0months PITIA. |
| 7044988 | XXXXXX | TX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 53.75% is below guideline requirements 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 690 exceeds guidelines 675 |
| 7045034 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH104 | Credit score below guidelines | No | Minimum Credit Score for XXX Type is 600. Borrower's Mid Score is 594. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $166,108.76 or 26.45 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 27.95%, max per guidelines is 50%. |
| 7045034 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 12/16/2022- VRA Desk Review received from XXX supporting appraisal value. | 12/16/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $166,108.76 or 26.45 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 27.95%, max per guidelines is 50%. |
| 7045049 | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH104 | Credit score below guidelines | No | Bank Statements Doc Type require minimum Credit Score of 600. Borrower's Credit Score is 598. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years and 11 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 5 years and 11 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55.56%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $52,437.17 or 38.56 months PITIA, guidelines required 0 months PITIA. |
| 7045057 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | Income/Employment | Active | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing VVOE within XXX business days of Note date XXX for B1 with employer XXX. WVOE in file is dated XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 19 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.80% is below guideline requirement 50%. |
| 7045057 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that HELOC with XXX #XXX has been paid and closed to future draws, authorization to close account was not signed by borrowers. | 1/18/2023- Lender provided settlement statement reflecting XXX loan paid, but it does not reflect that HELOC is close for further use. Exception remains 1/19/2023- Lender provide signed HELOC closure letter | 1.19.2023-Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 19 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.80% is below guideline requirement 50%. |
| 7045057 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | LTV/CLTV | Active | B | B | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | Subject is Rural Zoning with max LTV of 65%. Subject LTV of 68.97%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 19 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.80% is below guideline requirement 50%. |
| 7045057 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | Terms/Guidelines | Active | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Cash in hand of $XXX exceeds the maximum allowed of $XXXper guidelines. Acknowledged by lender on approval. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 19 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.80% is below guideline requirement 50%. |
| 7045074 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt C | Credit | Insurance | Satisfied | C A | C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI effective date XXX or XXX days after the Note dated XXX | 12/16/2022 lender provided Previews HOI | 12/16/2022 exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.05%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $19,841 or 6.63 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 608 qualifying score. Min required per guidelines is 600. |
| 7045074 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt C | Credit | Insurance | Satisfied | C A | C A | CRDINSR5352 | Flood Effective date is greater than the transaction date | No | Flood insurance effective date XXX or XXX days after the Note dated XXX | 12/16/2022 lender provided Flood GAP Coverage XXX to XXX | 12/16/2022 exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.05%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $19,841 or 6.63 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 608 qualifying score. Min required per guidelines is 600. |
| 7045074 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt C | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 50. AVM FSD of 50, exceeded max of 10. XXX order Desk Review on behalf of Client. | 12/05/2022- VRA Desk Review received from XXX supporting appraisal value. | 12/05/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.05%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $19,841 or 6.63 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 608 qualifying score. Min required per guidelines is 600. |
| 7045105 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 88. AVM FSD of 12, exceeded max of 10. XXX order Desk Review on behalf of Client. | 11/16/2022- VRA Desk Review received from XXX supporting appraisal value. | 11/16/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 qualifying score. Min required per guidelines is 725.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 15.08% |
| 7045109 | XXXXXX | DE | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below max LTV of 70% for FTHB.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 784 exceeds min score requirement of 575. |
| 7045178 | XXXXXX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years and 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 8 years and 11 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 671 qualifying score. Min required per guidelines is 650.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 21 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 21.15%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $85,403.17 or 25.07 months PITIA, guidelines required 0 months PITIA. |
| 7045193 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 2.82%, max per guidelines is 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 qualifying score. Min required per guidelines is 675. |
| 7045205 | XXXXXX | AR | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $14,241.90 or 6.82 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years. |
| 7045215 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | XXX discloses -23.74% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. XXX order on behalf of client. | 12/19/2022 lender response: Please provide ETA on the Valuation report ordered by XXX. Thanks 12/19/2022 XXX provided: ETA XXX EOD 12/20/2022- VRA Desk Review received from XXX supporting appraisal value. | 12/20/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.01%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 qualifying score. Min required per guidelines is 700. |
| 7045228 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 55. AVM FSD of 45, exceeded max of 10. XXX order Desk Review on behalf of Client. | 12/27/2022- VRA Desk Review received from XXX supporting appraisal value. | 12/27/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 qualifying score. Min required per guidelines is 750. |
| 7045246 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Terms/Guidelines | Active | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Subject transaction is Cash Out Refinance of Primary Residence. Subject property was listed For Sale on XXX and withdrawn on XXX. Per lender guidelines, if the subject property has been listed for sale in the last XXX months from the date of funding, the transaction is ineligible. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 6 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been employed with the XXX for 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 32.05%; max allowed per guidelines is 70%. |
| 7045261 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX and confidence score of 76. AVM FSD of 24, exceeded max of 10. XXX order Desk Review on behalf of Client. | 01/13/2023- VRA Desk Review received from XXX supporting appraisal value. | 01/13/2023- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 743 exceeds min score requirement of 725.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.40% is below max LTV requirement of 70%. |
| 7045279 | XXXXXX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 13 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned primary residence for 6 years. |
| 7045300 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXX- Hurricane XX XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned primary residence for 26 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B1 has 0x30 mortgage history since XXX |
| 7045336 | XXXXXX | SC | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years and 5 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 32 years in current profession |
| 7045337 | XXXXXX | WY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | Income/Employment | Active | B | B | CRDINC3204 | Income Documentation Missing | No | Per guidelines for XXX borrower the following is acceptable for proof of XXX: One (1) item from the following list may be used for verification of a current and active business. 1. Copy of the business license covering the current business year as of the date of the application. 2. Copy of the Articles of Incorporation, Operating Agreement, or Partnership Agreement with recorded filing date. 3. Tax Preparers Letter: Letter must be on tax preparer's letterhead; Tax preparers license verification, from municipal, state or federal licensing boards or proof of their business existence; and Signed letter from the borrower's tax preparer explaining: (i) tax preparer's relationship to the business; (ii) personal knowledge of the length of time the business has been in existence; and (iii) percentage of borrowers ownership in the business entity. There was no 1. Copy of the business license covering the current business year as of the date of the application. 2. Copy of the Articles of Incorporation, Operating Agreement, or Partnership. Additionally, the XXX letter did not reflect personal knowledge of time business in existence and percentage of borrower's ownership in the business entity. Also, there was no verification of tax preparer's license. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 18 years and 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 26 years and 6 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required. |
| 7045337 | XXXXXX | WY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 89. AVM FSD of 11, exceeded max of 10. XXX order Desk Review on behalf of Client. | 12/21/2022- VRA Desk Review received from XXX supporting appraisal value. | 12/21/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 18 years and 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 26 years and 6 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required. |
| 7045341 | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Subject LTV of 64.68% is below max LTV of 80%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current XXX job for over 23 years. |
| 7045358 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not on Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 36.36% is below guideline requirements 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 764 exceeds guidelines 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.97% is below guideline requirement 50%. |
| 7045378 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | $19,321.30 reserves shortfall. Per guidelines, 6 months PITI (6x$3,261.39 = $19,568.34) post-closing reserves required. File contains only $247.04 post closing reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 13.41%, max per guidelines is 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been employed in same profession for 10 years and 6 months. |
| 7045400 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 25 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 3.12%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $23,903.58 or 6.22 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 qualifying score. Min required per guidelines is 750. |
| 7045400 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guidelines, XXX open/active tradelines are required. The borrower has XXX open tradelines | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 25 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 3.12%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $23,903.58 or 6.22 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 qualifying score. Min required per guidelines is 750. |
| 7045405 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXX- Hurricane XXX -. XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 739 exceeds min score requirement of 625.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Subject LTV of 70% is below max LTV of 75%. |
| 7045429 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 3.78%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $16,083.97 or 8.60 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 70%. |
| 7045447 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 86. AVM FSD of 14, exceeded max of 10. XXX order Desk Review on behalf of Client. | 01/13/2023- VRA Desk Review received from XXX supporting appraisal value. | 01/13/2023- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV =33.06% below guideline requirements<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time = 30 years at current residence. |
| 7045469 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX. for 7 years and 11 months..<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $33.516.93 or 25.07 months PITIA, guidelines required 0 months PITIA. |
| 7045486 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 20.53%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $96,863.98 or 13.38 months PITIA, guidelines required 6 months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 qualifying score. Min required per guidelines is 750. |
| 7045497 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower credit score of 762 exceeds min score requirement of 750.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a XXX XXX for over 24 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 15.30% is below max DTI of 50%. |
| 7045501 | XXXXXX | IN | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below max LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 759 exceeds min score requirement of 575. |
| 7045520 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.55% below guideline requirement of 75%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Mid score of 778, no current late payments |
| 7045535 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 36.14%; max allowed per guidelines is 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years and 6 months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 686 qualifying score. Min required per guidelines is 675. |
| 7045540 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Credit | Application | Satisfied | D A | D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing third party fraud report. | 1/18/2023- Lender provided 3rd party fraud report | 1/18/2023- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.67% is below max LTV of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 767 exceeds min score requirement of 750 |
| 7045540 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. FSD exceeds max. | 01/16/2023- VRA Desk Review received from XXX supporting appraisal value. | 01/16/2023- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.67% is below max LTV of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 767 exceeds min score requirement of 750 |
| 7045591 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 75% exceeds the maximum LTV for cash out on second home with loan amount > $XXX < $XXX and credit score of 706 of 70%. Approval in file with lender exception. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have mortgage history 0x30 since XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 14 years. |
| 7045600 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 787 exceeds minimum requirement of 750<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has had same employment for over 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets- Total verified of $509,653.90, CTC of $237,250.87 leaving reserves of $272,403.03 or 31.47 months PITI. Required Reserves of 6 months PITI due to 80% LTV. |
| 7045622 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Guidelines require XXX acceptable tradelines. Borrower has XXX tradeline. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV = 36.27 below guideline requirements<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has median credit score = 700 as of XXX. $0 in revolving debt after C/O transaction. |
| 7045655 | XXXXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Per COC missing LE dated XXX | 1/11/2023: Client provided LE XXX | 1/11/2023: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 35 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B1 has mortgage history 0x30 since XXX |
| 7045655 | XXXXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | Assets | Active | D B | D B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing the second consecutive month statement from XXX XXX as required per guidelines. File contains the XXX statement only. | 01/11/2023 lender response: Updated Underwriting Worksheet uploaded reflecting acknowledgment | 01/11/2023 Upon further review by XXX Underwriter, exception considered non-material; Final Grade B. Comp Factors applied for time at current job and mortgage payment history. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 35 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B1 has mortgage history 0x30 since XXX |
| 7045658 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI = 26.17 below guideline requirement<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV = 59.14% below guideline requirements |
| 7045662 | XXXXXX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 47.32%; max allowed per guidelines is 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $64,268.09 or 18.36 months PITIA, guidelines required 0 months PITIA. |
| 7045709 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score = 813 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower resided at current residence 9 years and 7 months. |
| 7045710 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Terms/Guidelines | Active | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Cash-out refinance < XXX mos of ownership. Borrower has only been on title since XXX (Quit claimed from spouse's Trust to borrower and spouse. Lender provided exception approval. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for over 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 18.26% is below max LTV requirements of 80%. |
| 7045738 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Calculated assets=$184,028.54.EMD =$26,250 cleared prior to transaction. Cash required to close =$84,901.00Cash reserves =$99,127.54PITI $8,388.16 x 12 = 100,657.92. Borrower short 12-month reserve requirement =$(1,530.36) | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score = 734 exceeds guidelines |
| 7045841 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower does not have XXX acceptable trade lines with over XXX months reviewed. Exception approval in file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 18 months reviewed. No mortgage lates noted. |
| 7115294 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing 3rd Party valuation to support appraised value. | 11.08.19 Desk Review received value supported. | 11.08.19 Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| 7115556 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Credit | Application | Satisfied | D A | D A | CRDAPP2658 | Missing 3rd-party anti-fraud report | No | Guidelines require a Fraud report reflecting all involved parties to the transaction be checked against watch list; Provided Fraud report dated XXX which did not reflect the appraiser or the appraisal company; Provide updated Fraud report reflecting XXX and XXX checked against watch list. | 8.4.2020 Client provided fraud report/XXX for borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have a 78 month mortgage history with no late payments.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified $3,987.81.Total cash required $0 Reserves required $0 Post-closing reserves of $3987.81.Cash back to borrowers $146,144.97 |
| 7117691 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal value. | 10.29.19 Desk Review value supported. | 10.29.19 Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| 7117691 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Property Valuations | FEMA | Satisfied | C A | C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX Fema Disaster- Wildfires | 11.15.19 Post Disaster Inspection (PDI) confirms no damage to property. | 11.15.19 Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| 9001426 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5331 | Most recent FSD score outside of approved variance | No | FSD score of 0.11 is outside of the approved variance | 07/10/2020 Received ARR Report supporting appraisal value. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower is a XXX for 17 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $230,313.51 |
| 9001852 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | # of Tradelines Does Not Meet Guideline Requirements. Yes There are XXX tradelines on the credit report to be used. XXX are required per GL. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.96%; max allowed per guidelines is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 24 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,142,466.86 or 90 months PITIA, guidelines required 0 months PITIA. |
| 9001852 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX and confidence score of 82. AVM FSD of 18, exceeded max of 10. DESK REVIEW required. XXX ordered Desk review | 1.08.2022- VRA Desk Review received from XXX supporting appraisal value. | 1.08.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.96%; max allowed per guidelines is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 24 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,142,466.86 or 90 months PITIA, guidelines required 0 months PITIA. |
| 9002015 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD dated XXX with a Closing Date of XXX; loan closed before end of waiting period (XXX days not observed). File was missing proof of receipt of LE XXX (default to XXX delivery when proof of receipt is missing | 7/22/2022: Lender stated "The LE dated XXX was sent electronically, as with all other disclosures, and as such delivery is assumed on XXX due to XXX-business day rule. Similarly, XXX is considered a business day regarding closing disclosures, as such the CD issued XXX puts the first closing date available at XXX." After review from Sr. Compliance, confirmation that the LE was sent electronically to borrower on XXX is required so we can satisfy. As it stands, the assumed delivery is XXX and the final LE must be delivered to borrower at least four business days prior to closing date. With Monday a XXX holiday, four business days after XXX. Exception remains. 7/28/2022: Client provided Disclosure Tracking Reason doc, LE XXX and CD XXX. These are all in file and are not confirmation that borrower received it. For tracking, we would need confirmation final LE XXX was sent and received, not necessarily opened by the borrower. Exception remains. 9/16/2022: Client provided a snip from the XXX. After review from Sr. Compliance, this does not confirm that the borrower received it prior to the XXX, without receipt confirmation, we have to default to the XXX day rule. Exception remains. 1/25/2023: Client provided disclosure tracking details for LE XXX. | 1/25/2023: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; max allowed per guidelines is 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer credit history is for 108 months when 24 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 qualifying score. Min required per guidelines is 750. |
| 9002066 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 has additional OT and Bonus income averaged at $599.27 monthly not used to qualify.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at current job for 18 years. |
| 9002069 | XXXXXX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.64%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 qualifying score. Min required per guidelines is 725. |
| 9002083 | XXXXXX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 44.70%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 qualifying score. Min required per guidelines is 675.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 17 years. |

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## Exhibit 99.11

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.11**

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2023-NQM2** |
| **Start - End Dates:** | **9/6/2019 - 1/16/2023** |
| **Deal Loan Count:** | **177** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *177* |
| ***Loans with Conditions:*** | *103* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| 5002151 | Yes | XXXXXX | XXXXXX D A | No |
| 5002977 | Yes | XXXXXX | XXXXXX A | No |
| 5003075 | Yes | XXXXXX | XXXXXX D A | No |
| 5003488 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 5003567 | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| 5003641 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 5003810 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 5003816 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 5003822 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 5003826 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 5003843 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 5003858 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 5003860 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 5003861 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 5003862 | Yes | XXXXXX | XXXXXX B A | Yes |
| 5003892 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 5003906 | Yes | XXXXXX | XXXXXX A | No |
| 5003908 | Yes | XXXXXX | XXXXXX B A | Yes |
| 7009894 | Yes | XXXXXX | XXXXXX D A | No |
| 7016698 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7026643 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7033737 | Yes | XXXXXX | XXXXXX B A | No |
| 7036119 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7036489 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7036573 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7036620 | Yes | XXXXXX | XXXXXX D A | No |
| 7036669 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7036999 | Yes | XXXXXX | XXXXXX A | No |
| 7037284 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7037331 | Yes | XXXXXX | XXXXXX D A | No |
| 7037450 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7037775 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7037953 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 7038021 | Yes | XXXXXX | XXXXXX A | No |
| 7038402 | Yes | XXXXXX | XXXXXX C A | No |
| 7039314 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7041413 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7042381 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7042542 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 7043330 | Yes | XXXXXX | XXXXXX D A B | No |
| 7043398 | Yes | XXXXXX | XXXXXX D B A | Yes |
| 7043414 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7043594 | Yes | XXXXXX | XXXXXX D A B | Not Applicable |
| 7043599 | Yes | XXXXXX | XXXXXX D A B | No |
| 7043614 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7043694 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7043701 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7043745 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7043844 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7043869 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 7043875 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7043898 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7043920 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 7043935 | Yes | XXXXXX | XXXXXX B A | Yes |
| 7043974 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7043981 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7043988 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7043993 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044006 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 7044013 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044021 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044027 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044039 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 7044046 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044052 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7044053 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7044077 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7044093 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7044094 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044113 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044123 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044130 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7044138 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044182 | Yes | XXXXXX | XXXXXX B A | No |
| 7044196 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 7044202 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044237 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044246 | Yes | XXXXXX | XXXXXX D B A | Yes |
| 7044252 | Yes | XXXXXX | XXXXXX B A | Yes |
| 7044258 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7044261 | Yes | XXXXXX | XXXXXX B A | No |
| 7044277 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044281 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7044283 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044285 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7044288 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044291 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044293 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044314 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7044325 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044342 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044352 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044356 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044360 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044375 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7044410 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 7044420 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 7044427 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7044437 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044458 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044479 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044483 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044499 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 7044500 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044507 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044508 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044579 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044581 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 7044586 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044599 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7044618 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 7044627 | Yes | XXXXXX | XXXXXX D A | Yes |
| 7044628 | Yes | XXXXXX | XXXXXX C A B | Not Applicable |
| 7044726 | Yes | XXXXXX | XXXXXX B A | No |
| 7044731 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044752 | Yes | XXXXXX | XXXXXX D A C B | Not Applicable |
| 7044769 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044858 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044866 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7044876 | Yes | XXXXXX | XXXXXX B A | No |
| 7044886 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7044899 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044900 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7044934 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044978 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7044986 | Yes | XXXXXX | XXXXXX B A | Yes |
| 7044988 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7045034 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7045049 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7045057 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 7045074 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 7045105 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7045109 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7045178 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7045193 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7045205 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7045215 | Yes | XXXXXX | XXXXXX C A B | Not Applicable |
| 7045228 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7045246 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7045261 | Yes | XXXXXX | XXXXXX D A | No |
| 7045279 | Yes | XXXXXX | XXXXXX A | No |
| 7045300 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7045336 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7045337 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 7045341 | Yes | XXXXXX | XXXXXX A | Yes |
| 7045358 | Yes | XXXXXX | XXXXXX A | No |
| 7045378 | Yes | XXXXXX | XXXXXX B A | Yes |
| 7045400 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7045405 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7045429 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7045447 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7045469 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7045486 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7045497 | Yes | XXXXXX | XXXXXX A | No |
| 7045501 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7045520 | Yes | XXXXXX | XXXXXX A | No |
| 7045535 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7045540 | Yes | XXXXXX | XXXXXX D A | No |
| 7045591 | Yes | XXXXXX | XXXXXX B A | Yes |
| 7045600 | Yes | XXXXXX | XXXXXX A | No |
| 7045622 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7045655 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 7045658 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7045662 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7045709 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 7045710 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7045738 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7045841 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 7115294 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 7115556 | Yes | XXXXXX | XXXXXX D A | No |
| 7117691 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 9001426 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 9001852 | Yes | XXXXXX | XXXXXX D B A | No |
| 9002015 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 9002066 | Yes | XXXXXX | XXXXXX A | No |
| 9002069 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 9002083 | Yes | XXXXXX | XXXXXX A | Not Applicable |

---

## Exhibit 99.12

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.12**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MFA 2023-NQM2 |
| **Start - End Dates:** | 9/6/2019 - 1/16/2023 |
| **Deal Loan Count:** | 177 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *177* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 5002977 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 5003567 | XXXXXX | Total Monthly Income | 4685.23 | 4685.22 |
| 5003641 | XXXXXX | Representative Credit Score for Grading | 697 | 690 |
| 5003810 | XXXXXX | Debt to Income Ratio (Back) | 47.2000 | 38.3227 |
| 5003810 | XXXXXX | Total Monthly Income | 21775.12 | 26864.22 |
| 5003816 | XXXXXX | Total Monthly Income | 23819.34 | 24579.89 |
| 5003822 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 5003822 | XXXXXX | Total Monthly Income | 12606.74 | 12540.07 |
| 5003826 | XXXXXX | Debt to Income Ratio (Back) | 50.1000 | 44.7376 |
| 5003826 | XXXXXX | Total Monthly Income | 6765.46 | 7583.33 |
| 5003858 | XXXXXX | Total Monthly Income | 7664.11 | 7708.72 |
| 5003860 | XXXXXX | Total Monthly Income | 23868.00 | 23363.95 |
| 5003861 | XXXXXX | Total Monthly Income | 30737.71 | 30737.70 |
| 5003892 | XXXXXX | Total Monthly Income | 6249.99 | 6249.98 |
| 5003906 | XXXXXX | Total Monthly Income | 11272.15 | 11273.58 |
| 5003908 | XXXXXX | Total Monthly Income | 24074.27 | 24740.25 |
| 7026643 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7033737 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7033737 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 7036119 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7036119 | XXXXXX | Representative Credit Score for Grading | 747 | 735 |
| 7036573 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7036999 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 7036999 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| 7037284 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7037331 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7037450 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7037953 | XXXXXX | Total Monthly Income | 10000.00 | 11617.14 |
| 7039314 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7042381 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| 7042381 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 7042381 | XXXXXX | Debt to Income Ratio (Back) | 41.3000 | 45.7891 |
| 7042381 | XXXXXX | Total Monthly Income | 8370.42 | 7552.62 |
| 7043330 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7043398 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| 7043398 | XXXXXX | Representative Credit Score for Grading | 740 | 714 |
| 7043594 | XXXXXX | Total Monthly Income | 11749.55 | 11637.07 |
| 7043599 | XXXXXX | Total Monthly Income | 75110.65 | 75110.63 |
| 7043614 | XXXXXX | Total Monthly Income | 32845.61 | 32845.60 |
| 7043701 | XXXXXX | Total Monthly Income | 10427.41 | 10427.44 |
| 7043844 | XXXXXX | Total Monthly Income | 7970.52 | 7970.51 |
| 7043875 | XXXXXX | Total Monthly Income | 5221.27 | 4903.34 |
| 7043935 | XXXXXX | Representative Credit Score for Grading | 575 | 562 |
| 7043935 | XXXXXX | Total Monthly Income | 7563.79 | 7872.63 |
| 7043974 | XXXXXX | Debt to Income Ratio (Back) | 49.8000 | 42.7142 |
| 7043974 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 7043974 | XXXXXX | Total Monthly Income | 29273.50 | 28328.70 |
| 7044006 | XXXXXX | Total Monthly Income | 42703.01 | 47255.01 |
| 7044013 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7044013 | XXXXXX | Total Monthly Income | 19484.88 | 19673.84 |
| 7044021 | XXXXXX | Total Monthly Income | 15699.45 | 15699.44 |
| 7044039 | XXXXXX | Total Monthly Income | 9414.33 | 9414.34 |
| 7044046 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 7044046 | XXXXXX | Total Monthly Income | 16396.77 | 16396.76 |
| 7044052 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 7044052 | XXXXXX | Total Monthly Income | 23849.90 | 25000.00 |
| 7044077 | XXXXXX | Total Monthly Income | 5605.72 | 5599.45 |
| 7044113 | XXXXXX | Debt to Income Ratio (Back) | 32.7000 | 14.3055 |
| 7044113 | XXXXXX | Total Monthly Income | 8210.01 | 18725.94 |
| 7044130 | XXXXXX | Debt to Income Ratio (Back) | 43.0000 | 31.8576 |
| 7044130 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 7044130 | XXXXXX | Total Monthly Income | 72608.12 | 98026.52 |
| 7044182 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 7044196 | XXXXXX | Debt to Income Ratio (Back) | 26.9000 | 31.2472 |
| 7044196 | XXXXXX | Total Monthly Income | 22462.10 | 19302.80 |
| 7044202 | XXXXXX | Debt to Income Ratio (Back) | 25.9000 | 30.3009 |
| 7044202 | XXXXXX | Total Monthly Income | 22600.20 | 19310.91 |
| 7044252 | XXXXXX | Representative Credit Score for Grading | 700 | 694 |
| 7044252 | XXXXXX | Total Monthly Income | 44630.46 | 49190.31 |
| 7044261 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| 7044261 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 7044277 | XXXXXX | Total Monthly Income | 16714.94 | 16672.40 |
| 7044283 | XXXXXX | Debt to Income Ratio (Back) | 15.7000 | 4.6002 |
| 7044283 | XXXXXX | Property Type | SFR | Detached PUD |
| 7044283 | XXXXXX | Total Monthly Income | 100000.00 | 340665.79 |
| 7044288 | XXXXXX | Total Monthly Income | 80358.19 | 80396.89 |
| 7044291 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7044293 | XXXXXX | Total Monthly Income | 14523.84 | 14523.77 |
| 7044314 | XXXXXX | Debt to Income Ratio (Back) | 42.4000 | 30.6462 |
| 7044314 | XXXXXX | Representative Credit Score for Grading | 575 | 567 |
| 7044314 | XXXXXX | Total Monthly Income | 15132.04 | 20917.70 |
| 7044325 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 7044325 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 7044356 | XXXXXX | Total Monthly Income | 6666.66 | 6666.67 |
| 7044420 | XXXXXX | Total Monthly Income | 74513.00 | 81380.15 |
| 7044458 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7044458 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 7044458 | XXXXXX | Original P&I | 5512.50 | 5761.97 |
| 7044458 | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 7044479 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 7044483 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 7044483 | XXXXXX | Total Monthly Income | 7109.00 | 7076.41 |
| 7044499 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 7044499 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 7044500 | XXXXXX | Total Monthly Income | 38835.00 | 40482.77 |
| 7044508 | XXXXXX | Debt to Income Ratio (Back) | 41.7000 | 35.7375 |
| 7044508 | XXXXXX | Total Monthly Income | 11700.00 | 13649.22 |
| 7044579 | XXXXXX | Total Monthly Income | 89995.13 | 98596.94 |
| 7044586 | XXXXXX | Total Monthly Income | 27337.79 | 27142.69 |
| 7044599 | XXXXXX | Debt to Income Ratio (Back) | 24.7000 | 18.7928 |
| 7044599 | XXXXXX | Total Monthly Income | 72838.11 | 72562.90 |
| 7044627 | XXXXXX | Amortized Term | 360 | 276 |
| 7044627 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7044627 | XXXXXX | Debt to Income Ratio (Back) | 5.9000 | 10.5383 |
| 7044627 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7044627 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 7044627 | XXXXXX | Original Term | 360 | 276 |
| 7044627 | XXXXXX | Representative Credit Score for Grading | 791 | 792 |
| 7044627 | XXXXXX | Total Monthly Income | 270628.34 | 135314.17 |
| 7044726 | XXXXXX | Debt to Income Ratio (Back) | 26.0000 | 30.3905 |
| 7044752 | XXXXXX | Debt to Income Ratio (Back) | 49.0000 | 35.0933 |
| 7044752 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7044752 | XXXXXX | Total Monthly Income | 5000.00 | 14113.09 |
| 7044866 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 7044876 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 7044876 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7044876 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7044886 | XXXXXX | Total Monthly Income | 3433.45 | 3489.13 |
| 7044899 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 7044900 | XXXXXX | Total Monthly Income | 14190.89 | 14024.22 |
| 7044978 | XXXXXX | Total Monthly Income | 29737.50 | 31031.42 |
| 7044986 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 7044988 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7045034 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 7045034 | XXXXXX | Total Monthly Income | 27079.79 | 26982.08 |
| 7045049 | XXXXXX | Total Monthly Income | 3471.19 | 3650.51 |
| 7045057 | XXXXXX | Total Monthly Income | 74383.66 | 82988.47 |
| 7045109 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 7045193 | XXXXXX | Debt to Income Ratio (Back) | 36.7000 | 2.8174 |
| 7045193 | XXXXXX | Total Monthly Income | 20000.00 | 260521.78 |
| 7045215 | XXXXXX | Total Monthly Income | 40499.94 | 40010.35 |
| 7045246 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 7045279 | XXXXXX | Debt to Income Ratio (Back) | 44.2000 | 47.9633 |
| 7045279 | XXXXXX | Total Monthly Income | 21059.14 | 21029.63 |
| 7045300 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7045336 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 7045336 | XXXXXX | Total Monthly Income | 15529.50 | 15529.49 |
| 7045337 | XXXXXX | Total Monthly Income | 5363.00 | 5395.06 |
| 7045341 | XXXXXX | Total Monthly Income | 9060.80 | 9057.88 |
| 7045358 | XXXXXX | Debt to Income Ratio (Back) | 40.6000 | 36.9735 |
| 7045358 | XXXXXX | Total Monthly Income | 3915.24 | 3915.64 |
| 7045378 | XXXXXX | Total Monthly Income | 23996.00 | 25866.37 |
| 7045400 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 7045429 | XXXXXX | Total Monthly Income | 53617.38 | 53596.54 |
| 7045447 | XXXXXX | Total Monthly Income | 4613.00 | 4612.92 |
| 7045469 | XXXXXX | Total Monthly Income | 3032.34 | 2904.46 |
| 7045486 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7045486 | XXXXXX | Total Monthly Income | 58000.00 | 50119.95 |
| 7045497 | XXXXXX | Debt to Income Ratio (Back) | 21.8000 | 15.1808 |
| 7045497 | XXXXXX | Total Monthly Income | 7902.00 | 10127.26 |
| 7045591 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 7045591 | XXXXXX | Total Monthly Income | 86023.43 | 86023.35 |
| 7045622 | XXXXXX | Total Monthly Income | 5006.53 | 5102.11 |
| 7045655 | XXXXXX | Total Monthly Income | 95076.25 | 98800.54 |
| 7045662 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 7045662 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 7045662 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7045662 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 7045709 | XXXXXX | Total Monthly Income | 15617.54 | 15617.17 |
| 7045710 | XXXXXX | Debt to Income Ratio (Back) | 50.4000 | 46.2310 |
| 7045841 | XXXXXX | Representative Credit Score for Grading | 739 | 746 |
| 9001852 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9001852 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 9002015 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9002066 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9002066 | XXXXXX | Total Monthly Income | 3903.47 | 3902.24 |
| 9002069 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9002083 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 7009894 | XXXXXX | Maximum Rate | 6.000 | 13.500 |
| 7016698 | XXXXXX | Maximum Rate | 6.000 | 11.625 |
| 7016698 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 7115294 | XXXXXX | Maximum Rate | 6.000 | 13.000 |
| 7115294 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 7117691 | XXXXXX | Maximum Rate | 6.000 | 13.125 |
| 7117691 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 7115556 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 7115556 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 7115556 | XXXXXX | Total Monthly Income | 6526.00 | 6525.50 |
| 9001426 | XXXXXX | Cash Reserves | 250943.69 | 230313.51 |
| 9001426 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9001426 | XXXXXX | Next Rate Change Date | XXXXXX | XXXXXX |
| 9001426 | XXXXXX | Origination Date | XXXXXX | XXXXXX |

---

©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.13

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.13**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2023-NQM2** |
| **Start - End Dates:** | **9/6/2019 - 1/16/2023** |
| **Deal Loan Count:** | **177** |
| **ATR QM Upload** | **ATR QM Upload** |
| Loans in Report: | 177 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 5002151 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.1072 | Yes | Yes | 1.146 | Unavailable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.19 | 28.19 | 28.19 | 28.19 | 28.19 | 28.19 | No | Yes | Yes | 25133.62 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 24 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 5002977 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 4.2500 | No | No | 1.7 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2369.61 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2500.00 | 1.0514 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003075 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1357.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1300.00 | 0.9580 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 5003488 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0207 | Yes | Yes | 2.212 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.11 | 35.11 | 35.11 | 35.11 | 35.11 | 35.11 | Yes | Yes | Yes | 5039.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 5003567 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.0928 | No | No | 2.686 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.13 | 46.13 | 46.13 | 46.13 | 46.13 | 46.13 | Yes | Yes | Yes | 2523.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 5003641 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6965 | Yes | Yes | 1.727 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.9 | 32.8 | 32.9 | 32.8 | 32.8 | 32.8 | Yes | Yes | Yes | 18708.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 5003810 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5012 | Yes | No | 2.478 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.17 | 38.32 | 47.17 | 38.32 | 38.32 | 38.32 | Yes | Yes | Yes | 16569.12 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 5003816 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.3859 | No | No | 3.447 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.91 | 48.36 | 49.91 | 48.36 | 48.36 | 48.36 | Yes | Yes | Yes | 12691.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 5003822 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.2730 | No | No | 2.387 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.44 | 50.71 | 50.44 | 50.71 | 50.71 | 50.71 | Yes | Yes | Yes | 6181.21 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 84 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 5003826 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.5091 | No | No | 3.532 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.15 | 44.74 | 50.15 | 44.74 | 44.74 | 44.74 | Yes | Yes | Yes | 4190.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 33 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months; | (No Data) | (No Data) | (No Data) |
| 5003843 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.5982 | Yes | Yes | 2.879 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.78 | 26.65 | 25.78 | 26.65 | 26.65 | 26.65 | Yes | Yes | Yes | 11001.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 5003858 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.2637 | Yes | Yes | 3.689 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.88 | 32.69 | 32.88 | 32.69 | 32.69 | 32.69 | Yes | Yes | Yes | 5188.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 120 months; | (No Data) | (No Data) | (No Data) |
| 5003860 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB | (No Data) | Yes | Yes | 1 | 10.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.68 | 0 | 49.68 | 49.68 | 49.68 | (No Data) | (No Data) | (No Data) | 11756 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 14 months; | (No Data) | (No Data) | (No Data) |
| 5003861 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 11.4847 | Yes | Yes | 2.773 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 13.84 | 13.84 | 13.84 | 13.84 | 13.84 | 13.84 | Yes | Yes | Yes | 26483.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 5003862 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD > 20% OPB if Amt PPD within 12 months > 20% OPB | (No Data) | No | Yes | 1 | 10.2490 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2188.36 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 0.8000 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 5003892 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.69 | 0 | 44.69 | 44.69 | 44.69 | (No Data) | (No Data) | (No Data) | 3456.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 5003906 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.4018 | Yes | Yes | 3.368 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.76 | 35.27 | 34.76 | 35.27 | 35.27 | 35.27 | Yes | Yes | Yes | 7297.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 30 months; | (No Data) | (No Data) | (No Data) |
| 5003908 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.4220 | Yes | Yes | 2.585 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.57 | 38.5 | 39.57 | 38.5 | 38.5 | 38.5 | Yes | Yes | Yes | 15214.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7009894 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.7953 | No | No | 3.602 | 5.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.3 | 50.3 | 50.3 | 50.3 | 50.3 | 50.3 | Yes | Yes | Yes | 4189.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 7016698 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.6745 | No | No | 1.6 | Unavailable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.53 | 45.5 | 45.53 | 51.27 | 45.5 | 45.5 | Yes | Yes | Yes | 4251.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 7026643 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | No | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.3751 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 21.89 | 0 | 21.89 | 21.89 | 21.89 | (No Data) | (No Data) | (No Data) | 11636.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.2269 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7033737 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1883.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 0.7432 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036119 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2061.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2440.00 | No | (No Data) | 1.1834 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036489 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.3740 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1857.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.3974 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036573 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3095.75 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 3600.00 | 1.1628 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036620 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.3750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1916.27 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2300.00 | 1.2002 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 7036669 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1107.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.2642 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7036999 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1568.43 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.0201 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037284 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.2500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2604.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2875.00 | 1.1040 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037331 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1689.95 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.5045 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7037450 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.1250 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1257.4 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1300.00 | No | (No Data) | 1.0339 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037775 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2649.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.9937 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7037953 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.6566 | Yes | Yes | 1.747 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.05 | 19.18 | 19.05 | 19.18 | 19.18 | 19.18 | Yes | Yes | Yes | 9389.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 120 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7038021 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.2500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1554.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2195.00 | No | (No Data) | 1.4120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7038402 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.4429 | Yes | Yes | 2.227 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.82 | 42.66 | 42.82 | 42.66 | 42.65 | 42.66 | Yes | Yes | Yes | 7136.78 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 7039314 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB | (No Data) | Yes | Yes | 1 | 5.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2235.82 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.0287 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7041413 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4630 | Yes | Yes | 1.845 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.45 | 39.45 | 39.45 | 39.45 | 39.45 | 39.45 | Yes | Yes | Yes | 15399.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 7042381 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 11.3891 | No | Yes | 4.949 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.32 | 45.79 | 41.32 | 45.79 | 45.79 | 45.79 | Yes | Yes | Yes | 4094.34 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 253 | Yes | 32 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 253 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months; | (No Data) | (No Data) |
| 7042542 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0166 | Yes | Yes | 2.504 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39 | 39 | 39 | 39 | 39 | 39 | Yes | Yes | Yes | 12583.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 6 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 7043330 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5090.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4600.00 | No | (No Data) | 0.9037 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7043398 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 9.1250 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 5.55 | 0 | 5.55 | 5.54 | 5.54 | (No Data) | (No Data) | (No Data) | 442407.15 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months; | (No Data) |
| 7043414 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1284.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1625.00 | No | (No Data) | 1.2652 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7043594 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.5736 | Yes | Yes | 2.127 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.42 | 28.7 | 28.42 | 28.7 | 28.7 | 28.7 | Yes | Yes | Yes | 8297.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 96 months; | (No Data) | (No Data) | (No Data) |
| 7043599 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 10.1928 | Yes | Yes | 2.457 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.96 | 23.28 | 24.96 | 23.28 | 23.28 | 23.28 | Yes | Yes | Yes | 57626.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 216 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 216 months; | (No Data) | (No Data) | (No Data) |
| 7043614 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.6657 | Yes | Yes | 1.329 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 15.42 | 15.42 | 15.42 | 15.42 | 15.42 | 15.42 | Yes | Yes | Yes | 27780.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 7043694 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 9.6250 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1982.02 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2060.00 | No | (No Data) | 1.0393 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7043701 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.0611 | Yes | Yes | 3.55 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.47 | 38.47 | 38.47 | 38.47 | 38.47 | 38.47 | Yes | Yes | Yes | 6415.72 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) | (No Data) |
| 7043745 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.4463 | Yes | Yes | 4.192 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.41 | 35.41 | 35.41 | 35.41 | 35.41 | 35.41 | Yes | Yes | Yes | 5920.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 16 months; | (No Data) | (No Data) | (No Data) |
| 7043844 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.7066 | No | No | 3.12 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.83 | 49.83 | 49.83 | 49.83 | 49.83 | 49.83 | Yes | Yes | Yes | 3999.09 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 7043869 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.0463 | No | No | 4.273 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.05 | 43.06 | 43.05 | 43.06 | 43.06 | 43.06 | Yes | Yes | Yes | 4401.16 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7043875 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 10.8733 | No | Yes | 3.934 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.99 | 44.71 | 41.99 | 44.71 | 44.71 | 44.71 | Yes | Yes | Yes | 2711.12 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7043898 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9724 | No | No | 3.214 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.56 | 48.59 | 48.56 | 48.59 | 48.59 | 48.59 | Yes | Yes | Yes | 6500.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 9 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 57 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 9 months;<br> W2 - 24 months;<br> Written VOE - 57 months; | (No Data) | (No Data) | (No Data) |
| 7043920 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.4127 | Yes | Yes | 3.315 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.69 | 16.69 | 16.69 | 16.69 | 16.69 | 16.69 | Yes | Yes | Yes | 14946.56 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 60 months; | (No Data) | (No Data) | (No Data) |
| 7043935 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.2329 | Yes | Yes | 4.836 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.5 | 25.46 | 26.5 | 25.46 | 25.46 | 25.46 | Yes | Yes | Yes | 5868.6 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 12 months;<br> Written VOE - 36 months; | (No Data) | (No Data) |
| 7043974 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3662 | No | No | 1.893 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.81 | 49.23 | 49.81 | 48.16 | 42.71 | 46.33 | Yes | Yes | Yes | 16228.33 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 380 | No | (No Data) | Yes | 240 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Business Bank Statements - 12 months;<br> CPA Letter without Income - 380 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 240 months; | (No Data) | (No Data) |
| 7043981 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7549 | No | No | 2.555 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.74 | 49.74 | 49.74 | 49.74 | 49.74 | 49.74 | Yes | Yes | Yes | 10051.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 156 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 156 months; | (No Data) | (No Data) | (No Data) |
| 7043988 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2926.28 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.0596 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7043993 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8148 | No | No | 1.874 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.19 | 49.2 | 49.19 | 49.2 | 49.2 | 49.2 | Yes | Yes | Yes | 2307.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 14 months; | (No Data) | (No Data) | (No Data) |
| 7044006 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4663 | Yes | Yes | 2.056 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.81 | 9.86 | 10.81 | 9.86 | 9.86 | 9.86 | Yes | Yes | Yes | 42593.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7044013 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.05 | 0 | 38.05 | 38.05 | 38.05 | (No Data) | (No Data) | (No Data) | 12188.74 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) |
| 7044021 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.5199 | Yes | Yes | 2.28 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | No | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.53 | 41.53 | 41.53 | 41.53 | 41.53 | 41.53 | Yes | Yes | Yes | 9179.5 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 264 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 264 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7044027 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.9794 | Yes | Yes | 2.374 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.62 | 37.62 | 37.62 | 37.62 | 37.62 | 37.62 | Yes | Yes | Yes | 3742.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 96 months; | (No Data) | (No Data) | (No Data) |
| 7044039 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8749 | Yes | Yes | 2.359 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.53 | 42.53 | 42.53 | 42.53 | 42.53 | 42.53 | Yes | Yes | Yes | 5410.09 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months; | Business Bank Statements - 13 months; | (No Data) | (No Data) |
| 7044046 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9162 | Yes | Yes | 2.922 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 14.79 | 14.79 | 14.79 | 14.79 | 14.79 | 14.79 | Yes | Yes | Yes | 13972.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 7044052 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.6852 | Yes | No | 3.143 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.09 | 42.07 | 44.09 | 42.07 | 42.07 | 42.07 | Yes | Yes | Yes | 14483.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 15 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 7044053 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5324 | No | No | 1.54 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.58 | 45.58 | 45.58 | 45.58 | 45.58 | 45.58 | Yes | Yes | Yes | 12979.64 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 7044077 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5705 | No | No | 2.79 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.41 | 50.46 | 50.41 | 50.46 | 50.46 | 50.46 | Yes | Yes | Yes | 2773.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 72 months; | (No Data) | (No Data) | (No Data) |
| 7044093 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1555.58 | No | (No Data) | No | (No Data) | No | Yes | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1275.00 | 0.8193 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; |
| 7044094 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3251.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 0.8612 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044113 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.1527 | Yes | Yes | 2.632 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.68 | 14.31 | 32.68 | 14.31 | 14.31 | 14.31 | Yes | Yes | Yes | 16047.1 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 84 months;<br> Personal Bank Statements - 14 months; | CPA Letter without Income - 84 months;<br> Personal Bank Statements - 14 months; | (No Data) | (No Data) |
| 7044123 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8874 | Yes | Yes | 2.472 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.38 | 34.92 | 35.38 | 34.92 | 34.92 | 34.92 | Yes | Yes | Yes | 24724.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 144 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 144 months; | (No Data) | (No Data) | (No Data) |
| 7044130 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8466 | Yes | No | 2.1 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.01 | 31.86 | 43.01 | 31.86 | 31.86 | 31.86 | Yes | Yes | Yes | 66797.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7044138 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2086.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1982 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044182 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3740 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2274.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3360.00 | No | (No Data) | 1.4769 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044196 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.8713 | Yes | Yes | 2.995 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.85 | 31.25 | 26.85 | 31.25 | 31.25 | 31.25 | Yes | Yes | Yes | 13271.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7044202 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Second Home | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2461 | Yes | Yes | 0.694 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.91 | 30.3 | 25.91 | 30.3 | 30.3 | 30.3 | Yes | Yes | Yes | 13459.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 7044237 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.0808 | Yes | Yes | 3.995 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.46 | 35.46 | 35.46 | 35.46 | 35.46 | 35.46 | Yes | Yes | Yes | 10354.31 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 48 months; | Business Bank Statements - 13 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) |
| 7044246 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1029.47 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 2.3312 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 7044252 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.3254 | Yes | Yes | 3.973 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.03 | 13.86 | 16.03 | 13.86 | 13.86 | 13.86 | Yes | Yes | Yes | 42374.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 120 months; | (No Data) | (No Data) | (No Data) |
| 7044258 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.4742 | No | No | 4.236 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -2045.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 7044261 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2058.76 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2023.00 | No | (No Data) | 0.9826 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7044277 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8137 | Yes | Yes | 1.55 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.42 | 41.52 | 41.42 | 41.52 | 41.52 | 41.52 | Yes | Yes | Yes | 9749.43 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 72 months; | (No Data) | (No Data) | (No Data) |
| 7044281 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2342.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 0.9392 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044283 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7832 | Yes | Yes | 2.741 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 15.7 | 4.6 | 15.7 | 4.6 | 4.6 | 4.6 | Yes | Yes | Yes | 324994.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 30 months; | (No Data) | (No Data) | (No Data) |
| 7044285 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.8627 | No | No | 2.05 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.8 | 49.8 | 49.8 | 49.8 | 49.8 | 49.8 | Yes | Yes | Yes | 4415.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7044288 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5069 | Yes | Yes | 2.301 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 13.86 | 13.85 | 13.86 | 13.85 | 13.85 | 13.85 | Yes | Yes | Yes | 69262.25 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 83 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 83 months; | (No Data) | (No Data) | (No Data) |
| 7044291 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2576.39 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2250.00 | No | (No Data) | 0.8733 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044293 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4944 | No | No | 1.178 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.27 | 49.27 | 49.27 | 49.27 | 49.27 | 49.27 | Yes | Yes | Yes | 7367.67 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 96 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7044314 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.1535 | Yes | Yes | 3.326 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.36 | 30.65 | 42.36 | 30.65 | 30.65 | 30.65 | Yes | Yes | Yes | 14507.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 9 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 7044325 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0050 | Yes | Yes | 1.248 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.75 | 10.75 | 10.75 | 10.75 | 10.75 | 10.75 | Yes | Yes | Yes | 115529.21 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 7044342 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2248.4 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2225.00 | No | (No Data) | 0.9895 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044352 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3519.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 0.9091 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044356 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.0851 | Yes | Yes | 2.926 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.28 | 42.28 | 42.28 | 42.28 | 42.28 | 42.28 | Yes | Yes | Yes | 3848.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 9 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 33 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 9 months;<br> W2 - 24 months;<br> Written VOE - 33 months; | (No Data) | (No Data) | (No Data) |
| 7044360 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6240 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2433.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 0.9452 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044375 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.0000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1377 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1383.00 | No | (No Data) | 1.0043 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044410 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 8.8750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4214.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 0.8780 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044420 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2522 | Yes | Yes | 1.14 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.41 | 22.17 | 24.41 | 22.17 | 22.17 | 22.17 | Yes | Yes | Yes | 63341.61 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7044427 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 10.1250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1670.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2975.00 | No | (No Data) | 1.7813 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044437 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 9.8740 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1389.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.1519 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044458 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10654.93 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 15000.00 | No | (No Data) | 1.4077 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7044479 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2882.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.0061 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044483 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.7961 | Yes | Yes | 4.103 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.56 | 40.75 | 40.56 | 40.75 | 40.75 | 40.75 | Yes | Yes | Yes | 4192.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 14 months; | (No Data) | (No Data) | (No Data) |
| 7044499 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.1325 | No | No | 1.138 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.54 | 48.54 | 48.54 | 48.54 | 48.54 | 48.54 | Yes | Yes | Yes | 24577.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 10 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 32 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 10 months;<br> W2 - 24 months;<br> Written VOE - 32 months; | (No Data) | (No Data) | (No Data) |
| 7044500 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5810 | Yes | Yes | 1.791 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.26 | 15.77 | 16.26 | 15.77 | 15.77 | 15.77 | Yes | Yes | Yes | 34098.79 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 7044507 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.0928 | No | No | 2.783 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.78 | 49.78 | 49.78 | 49.78 | 49.78 | 49.78 | Yes | Yes | Yes | 1737.78 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 7044508 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6566 | Yes | Yes | 2.457 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.69 | 35.74 | 41.69 | 35.74 | 35.74 | 35.74 | Yes | Yes | Yes | 8771.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 7044579 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0777 | Yes | Yes | 1.88 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 15.03 | 13.72 | 15.03 | 13.72 | 13.72 | 13.72 | Yes | Yes | Yes | 85073.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) | (No Data) |
| 7044581 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0759 | No | Yes | 1.749 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -9940.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 7044586 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6403 | No | No | 1.335 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.01 | 44.32 | 44.01 | 44.32 | 44.32 | 44.32 | Yes | Yes | Yes | 15112.06 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 2 months; | Award Letter - 12 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) |
| 7044599 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB | (No Data) | Yes | Yes | 1 | 8.5000 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 18.79 | 0 | 18.79 | 18.79 | 18.79 | (No Data) | (No Data) | (No Data) | 58926.33 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 216 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 15 months;<br> CPA Letter without Income - 216 months; | (No Data) | (No Data) |
| 7044618 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2248.07 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2025.00 | 0.9007 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) |
| 7044627 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 10.54 | 0 | 10.54 | 10.54 | 10.86 | (No Data) | (No Data) | (No Data) | 121054.35 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months; | (No Data) | (No Data) |
| 7044628 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.3276 | Yes | Yes | 2.819 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.91 | 31.91 | 31.91 | 31.91 | 31.91 | 31.91 | Yes | Yes | Yes | 4425.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 96 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7044726 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.6250 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 30.39 | 0 | 30.39 | 30.39 | 30.39 | (No Data) | (No Data) | (No Data) | 8071.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 7044731 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 11.4436 | No | No | 3.157 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 50.35 | 50.35 | 50.35 | 50.35 | 50.35 | 50.35 | Yes | Yes | Yes | 1944.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 7044752 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.6250 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 35.09 | 0 | 35.09 | 35.09 | 35.09 | (No Data) | (No Data) | (No Data) | 9160.34 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) |
| 7044769 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6383 | No | No | 2.231 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -8907 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months; | Personal Bank Statements - 2 months; | (No Data) | (No Data) |
| 7044858 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.6240 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3511.21 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 0.7689 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7044866 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1648.99 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.5767 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7044876 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1635.78 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.0393 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 7044886 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 10.2281 | No | No | 3.716 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.57 | 48.83 | 49.57 | 48.83 | 48.83 | 48.83 | Yes | Yes | Yes | 1785.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | (No Data) | (No Data) | (No Data) |
| 7044899 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB | (No Data) | Yes | Yes | 1 | 10.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1597.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.0642 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044900 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.1301 | Yes | Yes | 3.141 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.9 | 35.31 | 34.9 | 35.31 | 35.31 | 35.31 | Yes | Yes | Yes | 9071.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) | (No Data) |
| 7044934 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.5285 | Yes | Yes | 3.329 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.05 | 25.06 | 25.06 | 25.06 | 25.06 | 25.06 | Yes | Yes | Yes | 13989.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7044978 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5052 | Yes | Yes | 1.801 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.41 | 27.31 | 28.41 | 27.31 | 27.31 | 27.31 | Yes | Yes | Yes | 22557.74 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7044986 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 10.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6757.63 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4750.00 | No | (No Data) | 0.7029 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7044988 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 10.1250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2262.47 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1600.00 | 0.7072 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 7045034 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 12.2583 | Yes | Yes | 2.833 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.85 | 27.95 | 27.85 | 27.95 | 27.95 | 27.95 | Yes | Yes | Yes | 19439.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 7045049 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 12.1422 | Yes | Yes | 3.97 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.17 | 37.25 | 39.17 | 37.25 | 37.25 | 37.25 | Yes | Yes | Yes | 2290.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7045057 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6798 | Yes | Yes | 1.621 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.06 | 36.8 | 39.06 | 36.8 | 36.8 | 36.8 | Yes | Yes | Yes | 52446.7 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 11 | Yes | 11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> P & L - 11 months;<br> Paystub - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Tax Return - 12 months;<br> P & L - 11 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 7045074 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 11.6240 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2994 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 0.7014 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7045105 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.6250 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 15.08 | 0 | 15.08 | 15.08 | 15.08 | (No Data) | (No Data) | (No Data) | 52751.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) | (No Data) |
| 7045109 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2213.81 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0841 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7045178 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 11.1250 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 21.15 | 0 | 21.15 | 21.15 | 21.15 | (No Data) | (No Data) | (No Data) | 15031.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7045193 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.7436 | Yes | Yes | 3.125 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.7 | 2.82 | 36.7 | 2.82 | 2.82 | 2.82 | Yes | Yes | Yes | 253181.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 7045205 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 10.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2088.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 0.8618 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7045215 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.8737 | Yes | Yes | 2.111 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.63 | 32.01 | 31.63 | 32.01 | 32.01 | 32.01 | Yes | Yes | Yes | 27201.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 7045228 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1631.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | No | (No Data) | Yes | 1820.00 | 1.1156 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7045246 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 10.6455 | No | No | 4.916 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.64 | 49.64 | 49.64 | 49.64 | 49.64 | 49.64 | Yes | Yes | Yes | 3397.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 10 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 10 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 7045261 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5683.99 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5750.00 | No | (No Data) | 1.0116 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7045279 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47.96 | 0 | 47.96 | 47.96 | 47.96 | (No Data) | (No Data) | (No Data) | 10943.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 84 months; | (No Data) | (No Data) | (No Data) |
| 7045300 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3432.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3450.00 | No | (No Data) | 1.0049 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7045336 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.9990 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 42.92 | 0 | 42.92 | 42.92 | 42.92 | (No Data) | (No Data) | (No Data) | 8864.61 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 240 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 240 months; | (No Data) | (No Data) | (No Data) |
| 7045337 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.8811 | No | No | 3.34 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.1 | 49.8 | 50.1 | 49.8 | 49.8 | 49.8 | Yes | Yes | Yes | 2708.16 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7045341 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.4368 | No | No | 3.371 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.76 | 49.78 | 49.76 | 49.78 | 49.78 | 49.78 | Yes | Yes | Yes | 4549 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 7045358 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.5492 | Yes | Yes | 2.943 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.63 | 36.97 | 40.63 | 36.97 | 36.97 | 36.97 | Yes | Yes | Yes | 2467.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months;<br> Award Letter - 1 months;<br> Personal Bank Statements - 1 months; | (No Data) | (No Data) | (No Data) |
| 7045378 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.9102 | Yes | Yes | 3.454 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 14.13 | 13.11 | 14.13 | 13.11 | 13.11 | 13.11 | Yes | Yes | Yes | 22474.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 7045400 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.5239 | Yes | Yes | 2.24 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 3.12 | 3.12 | 3.12 | 3.12 | 3.12 | 3.12 | Yes | Yes | Yes | 128240.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7045405 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3200.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 5400.00 | No | (No Data) | 1.6874 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7045429 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.2879 | Yes | Yes | 3.483 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 3.78 | 3.78 | 3.78 | 3.78 | 3.78 | 3.78 | Yes | Yes | Yes | 51570.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7045447 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3024 | No | No | 2.771 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.82 | 44.82 | 44.82 | 44.82 | 44.82 | 44.82 | Yes | Yes | Yes | 2545.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months; | (No Data) | (No Data) | (No Data) |
| 7045469 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.8809 | No | No | 2.833 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.08 | 46.03 | 44.08 | 46.03 | 46.03 | 46.03 | Yes | Yes | Yes | 1567.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 95 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 95 months; | (No Data) | (No Data) | (No Data) |
| 7045486 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.5047 | Yes | Yes | 1.18 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.44 | 19.03 | 16.44 | 18.2 | 18.2 | 18.2 | Yes | Yes | Yes | 40998.5 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 7045497 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.1314 | Yes | Yes | 3.981 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.82 | 15.18 | 21.82 | 15.18 | 15.18 | 15.18 | Yes | Yes | Yes | 8589.86 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7045501 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos if amt prepd is >20% of UPB | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1738.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1600.00 | 0.9201 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7045520 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3726 | No | No | 1.814 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -3747.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 7045535 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1933.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1750.00 | 0.9051 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 7045540 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3056 | No | Yes | 2.513 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -2989.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 3 months; | (No Data) | (No Data) | (No Data) |
| 7045591 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.5974 | No | No | 0.805 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.97 | 46.11 | 47.97 | 46.11 | 46.11 | 47.13 | Yes | Yes | Yes | 46360.66 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7045600 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.4454 | No | No | 1.42 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.34 | 49.09 | 49.34 | 49.09 | 49.09 | 49.09 | Yes | Yes | Yes | 16993.65 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 132 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 132 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 7045622 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.8663 | No | No | 3.897 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.95 | 47.01 | 45.95 | 47.01 | 47.01 | 47.01 | Yes | Yes | Yes | 2703.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 24 months; | (No Data) | (No Data) | (No Data) |
| 7045655 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.6647 | Yes | Yes | 1.535 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.74 | 27.77 | 26.74 | 27.77 | 27.77 | 27.77 | Yes | Yes | Yes | 71360.01 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 168 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 168 months; | (No Data) | (No Data) | (No Data) |
| 7045658 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4756 | Yes | Yes | 2.023 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.17 | 26.17 | 26.17 | 26.17 | 26.17 | 26.17 | Yes | Yes | Yes | 7383.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7045662 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3501.02 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.1425 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 7045709 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.4411 | No | No | 1.679 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.59 | 43.59 | 43.59 | 43.59 | 43.59 | 43.59 | Yes | Yes | Yes | 8809.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7045710 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0047 | No | No | 1.955 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.43 | 46.23 | 50.43 | 46.23 | 46.23 | 46.23 | Yes | Yes | Yes | 7688.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 7045738 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 10.1973 | Yes | Yes | 2.448 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.96 | 41.92 | 41.96 | 41.92 | 41.92 | 41.92 | Yes | Yes | Yes | 12026.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 7045841 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.3608 | No | No | 3.219 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.13 | 48.13 | 48.13 | 48.13 | 48.13 | 48.13 | Yes | Yes | Yes | 3243.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 7115294 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.6375 | Yes | Yes | 3.858 | 5.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.2 | 35.77 | 36.2 | 39.35 | 34.86 | 34.86 | Yes | Yes | Yes | 3652.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7115556 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.1871 | No | No | 3.197 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.38 | 46.41 | 45.38 | 46.41 | 46.41 | 46.41 | Yes | Yes | Yes | 3497 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 7117691 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2808 | Yes | Yes | 1.572 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.01 | 22.01 | 22.01 | 25.06 | 22.01 | 22.01 | No | No | (No Data) | 85972.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 9001426 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4359 | Yes | Yes | 2.906 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.99 | 36.61 | 36.99 | 40.2 | 36.61 | 36.61 | No | No | (No Data) | 20566.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 9001852 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 2% of amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 4.0000 | No | No | 1.6 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12584.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 8000.00 | 0.6357 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 9002015 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.8837 | No | No | 3.105 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | Yes | Yes | Yes | 1768.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months; | (No Data) | (No Data) | (No Data) |
| 9002066 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.4421 | Yes | Yes | 3.339 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.1 | 41.11 | 41.1 | 41.11 | 41.11 | 41.11 | Yes | Yes | Yes | 2298.12 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months; | (No Data) | (No Data) | (No Data) |
| 9002069 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 4.375 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2252.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1995.00 | No | (No Data) | 0.8856 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 9002083 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3269.26 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 0.9788 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.14

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.14**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2023-NQM2** |
| **Start - End Dates:** | **9/6/2019 - 1/16/2023** |
| **Deal Loan Count:** | **177** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *177* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 5002151 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11271 | XXXXXX | 5.1072 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | No | 25133.62 |
| 5002977 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6132.75 | XXXXXX | 4.25 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 5003075 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6342 | XXXXXX | 4.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003488 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4270.25 | XXXXXX | 8.0207 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5039.37 |
| 5003567 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3080 | XXXXXX | 10.0928 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2523.97 |
| 5003641 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9357.5 | XXXXXX | 8.6965 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 18708.83 |
| 5003810 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 31104.38 | XXXXXX | 7.5012 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | 16569.12 |
| 5003816 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 36018.44 | XXXXXX | 9.3859 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12691.93 |
| 5003822 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14111 | XXXXXX | 9.273 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2507.48 |
| 5003826 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3520 | XXXXXX | 9.5091 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4190.73 |
| 5003843 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7035 | XXXXXX | 9.5982 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 11001.92 |
| 5003858 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3620.17 | XXXXXX | 10.2637 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5188.74 |
| 5003860 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18500 | XXXXXX | 10.125 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 5003861 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7845 | XXXXXX | 11.4847 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 26483.45 |
| 5003862 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3612 | XXXXXX | 10.249 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 5003892 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6900 | XXXXXX | 9.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5003906 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5195 | XXXXXX | 9.4018 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8197.62 |
| 5003908 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18468.75 | XXXXXX | 9.422 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 15214.51 |
| 7009894 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9095 | XXXXXX | 7.7953 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4189.28 |
| 7016698 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6132.5 | XXXXXX | 5.6745 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4251.25 |
| 7026643 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.3751 | Retired | (No Data) | U.S. Citizen | (No Data) | No | (No Data) | 0 |
| 7033737 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7755 | XXXXXX | 5.5001 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7036119 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12500 | XXXXXX | 4.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036489 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5772 | XXXXXX | 4.374 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036573 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14400 | XXXXXX | 4.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036620 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6000 | XXXXXX | 4.375 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 7036669 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5625 | XXXXXX | 4.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7036999 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7500 | XXXXXX | 4.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037284 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9384 | XXXXXX | 4.25 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037331 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5000 | XXXXXX | 4.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7037450 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3780 | XXXXXX | 4.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037775 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13050 | XXXXXX | 4.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7037953 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4795 | XXXXXX | 3.6566 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9389.06 |
| 7038021 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6028.8 | XXXXXX | 4.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7038402 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16170 | XXXXXX | 4.4429 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 7136.78 |
| 7039314 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13475 | XXXXXX | 5.5001 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 7041413 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10669 | XXXXXX | 8.463 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 15399.66 |
| 7042381 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11658.74 | XXXXXX | 11.3891 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 4094.34 |
| 7042542 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10786 | XXXXXX | 8.0166 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12583.05 |
| 7043330 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 24600 | XXXXXX | 8.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7043398 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4494 | XXXXXX | 9.125 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7043414 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5250 | XXXXXX | 9.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7043594 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4295 | XXXXXX | 9.5736 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8297.73 |
| 7043599 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7145 | XXXXXX | 10.1928 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 57626.05 |
| 7043614 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5505 | XXXXXX | 9.6657 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 27780.23 |
| 7043694 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3600 | XXXXXX | 9.625 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7043701 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10632.5 | XXXXXX | 10.0611 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6415.72 |
| 7043745 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5195 | XXXXXX | 10.4463 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5920.65 |
| 7043844 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14673.75 | XXXXXX | 7.7066 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3999.09 |
| 7043869 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13435 | XXXXXX | 7.0463 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 4401.16 |
| 7043875 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5200 | XXXXXX | 10.8733 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2711.12 |
| 7043898 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13253.75 | XXXXXX | 7.9724 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6500.29 |
| 7043920 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5462.5 | XXXXXX | 9.4127 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 14946.56 |
| 7043935 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7077.5 | XXXXXX | 10.2329 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 6145.6 |
| 7043974 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 23170 | XXXXXX | 7.3662 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 16228.33 |
| 7043981 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 21957.5 | XXXXXX | 6.7549 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10051.52 |
| 7043988 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14812.5 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 7043993 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4537.5 | XXXXXX | 6.8148 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2307.96 |
| 7044006 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9957.5 | XXXXXX | 7.4663 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 42593.68 |
| 7044013 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17500 | XXXXXX | 7.25 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7044021 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13245 | XXXXXX | 9.5199 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9179.5 |
| 7044027 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3964.38 | XXXXXX | 8.9794 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3742.77 |
| 7044039 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10185 | XXXXXX | 6.8749 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 5410.99 |
| 7044046 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8402.88 | XXXXXX | 6.9162 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 13972.25 |
| 7044052 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13670 | XXXXXX | 6.6852 | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | 14483.71 |
| 7044053 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7460 | XXXXXX | 6.5324 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12979.64 |
| 7044077 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7932.5 | XXXXXX | 8.5705 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2773.87 |
| 7044093 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5740 | XXXXXX | 8.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7044094 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13000 | XXXXXX | 9.5 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7044113 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6125 | XXXXXX | 9.1527 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 16047.1 |
| 7044123 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20915 | XXXXXX | 6.8874 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 24808.86 |
| 7044130 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 61195 | XXXXXX | 7.8466 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 66797.6 |
| 7044138 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7796 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7044182 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6000 | XXXXXX | 8.374 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7044196 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8363.75 | XXXXXX | 8.8713 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 13271.22 |
| 7044202 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 1370 | XXXXXX | 7.2461 | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | 13459.53 |
| 7044237 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17101 | XXXXXX | 8.0808 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | 10354.31 |
| 7044246 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3976 | XXXXXX | 9 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7044252 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15723.75 | XXXXXX | 9.3254 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 42374.53 |
| 7044258 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9192 | XXXXXX | 7.4742 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 7044261 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9100 | XXXXXX | 8.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7044277 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13330 | XXXXXX | 6.8137 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9749.43 |
| 7044281 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9766 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7044283 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 21295 | XXXXXX | 6.7832 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 324994.58 |
| 7044285 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9915 | XXXXXX | 8.8627 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4415.31 |
| 7044288 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11890 | XXXXXX | 8.5069 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 69262.25 |
| 7044291 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9520 | XXXXXX | 9 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7044293 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9420 | XXXXXX | 6.4944 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 7367.67 |
| 7044314 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11482.5 | XXXXXX | 10.1535 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 14507.23 |
| 7044325 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7070 | XXXXXX | 7.005 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 115529.21 |
| 7044342 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13475 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7044352 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13692 | XXXXXX | 8.0001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7044356 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4459 | XXXXXX | 9.0851 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3847.98 |
| 7044360 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7840 | XXXXXX | 7.624 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7044375 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5000 | XXXXXX | 9 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7044410 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11172 | XXXXXX | 8.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7044420 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11695 | XXXXXX | 7.2522 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 63341.61 |
| 7044427 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5280 | XXXXXX | 10.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7044437 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3480 | XXXXXX | 9.874 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7044458 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 42000 | XXXXXX | 7.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7044479 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9250 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7044483 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7790 | XXXXXX | 8.7961 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4192.55 |
| 7044499 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 23165 | XXXXXX | 9.1325 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 24577.2 |
| 7044500 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8932.25 | XXXXXX | 8.581 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 34098.79 |
| 7044507 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4865.6 | XXXXXX | 10.0928 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1737.78 |
| 7044508 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7908 | XXXXXX | 8.6566 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8771.33 |
| 7044579 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 25795 | XXXXXX | 8.0777 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 85073.17 |
| 7044581 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10745 | XXXXXX | 8.0759 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 7044586 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11795 | XXXXXX | 7.6403 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 15112.06 |
| 7044599 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 18000 | XXXXXX | 8.5 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7044618 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10000 | XXXXXX | 9.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7044627 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 35850 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7044628 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4895 | XXXXXX | 9.3276 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 4425.77 |
| 7044726 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8400 | XXXXXX | 9.625 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7044731 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4055 | XXXXXX | 11.4436 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1944.6 |
| 7044752 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13920 | XXXXXX | 9.625 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7044769 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16541 | XXXXXX | 8.6383 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 7044858 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11970 | XXXXXX | 9.624 | Unemployed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 7044866 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4088 | XXXXXX | 9.125 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7044876 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5340 | XXXXXX | 9.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7044886 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5561 | XXXXXX | 10.2281 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1785.47 |
| 7044899 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5400 | XXXXXX | 10.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7044900 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13807.5 | XXXXXX | 9.1301 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9071.58 |
| 7044934 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8885 | XXXXXX | 10.5285 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 13989.09 |
| 7044978 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9525 | XXXXXX | 8.5052 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 22557.74 |
| 7044986 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25200 | XXXXXX | 10.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7044988 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6300 | XXXXXX | 10.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7045034 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15270 | XXXXXX | 12.2583 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 19439.41 |
| 7045049 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3795 | XXXXXX | 12.1422 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2290.74 |
| 7045057 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 23795 | XXXXXX | 8.6798 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 52446.7 |
| 7045074 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 11.624 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7045105 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9800 | XXXXXX | 8.625 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7045109 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8294 | XXXXXX | 9.375 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7045178 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9891 | XXXXXX | 11.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7045193 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11820 | XXXXXX | 9.7436 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 253181.94 |
| 7045205 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8120 | XXXXXX | 10.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7045215 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14945 | XXXXXX | 9.8737 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 27201.97 |
| 7045228 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6720 | XXXXXX | 9.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7045246 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5795 | XXXXXX | 10.6455 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3397.85 |
| 7045261 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.375 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7045279 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7045300 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14250 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7045336 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6160 | XXXXXX | 9.999 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7045337 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8995 | XXXXXX | 9.8811 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 2708.16 |
| 7045341 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8534.38 | XXXXXX | 9.4368 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4549 |
| 7045358 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3395 | XXXXXX | 9.5492 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2353.89 |
| 7045378 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11020 | XXXXXX | 9.9102 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 22474.98 |
| 7045400 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6639.5 | XXXXXX | 9.5239 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 128240.37 |
| 7045405 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12228 | XXXXXX | 9.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7045429 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5135 | XXXXXX | 9.2879 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 51570.59 |
| 7045447 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5295 | XXXXXX | 9.3024 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2545.34 |
| 7045469 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2715 | XXXXXX | 9.8809 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1567.66 |
| 7045486 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9495 | XXXXXX | 9.5047 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 40998.5 |
| 7045497 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4650 | XXXXXX | 10.1314 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | 8589.86 |
| 7045501 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6188 | XXXXXX | 9.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7045520 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3874 | XXXXXX | 9.3726 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 7045535 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7045540 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7295 | XXXXXX | 9.3056 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 7045591 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14167.5 | XXXXXX | 9.5974 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | Yes | 46360.67 |
| 7045600 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13295 | XXXXXX | 8.4454 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 16993.65 |
| 7045622 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6845 | XXXXXX | 8.8663 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2703.74 |
| 7045655 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7093.75 | XXXXXX | 9.6647 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 71360.01 |
| 7045658 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5411 | XXXXXX | 8.4756 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7383.33 |
| 7045662 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13440 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 7045709 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11290 | XXXXXX | 8.4411 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8809.35 |
| 7045710 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3795 | XXXXXX | 9.0047 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7688.96 |
| 7045738 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18620 | XXXXXX | 10.1973 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 12026.88 |
| 7045841 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10390 | XXXXXX | 8.3608 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3243.91 |
| 7115294 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7469.5 | XXXXXX | 7.6375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3652.35 |
| 7115556 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7790 | XXXXXX | 6.1871 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3497 |
| 7117691 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 41509.5 | XXXXXX | 7.2808 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9001426 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 27340 | XXXXXX | 6.4359 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9001852 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 23840 | XXXXXX | 4 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9002015 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6425 | XXXXXX | 7.8837 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1768.92 |
| 9002066 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4469.5 | XXXXXX | 9.4421 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2298.12 |
| 9002069 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9187.5 | XXXXXX | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9002083 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |

---

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## Exhibit 99.15

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.15**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MFA 2023-NQM2 |
| **Start - End Dates:** | 9/6/2019 - 1/16/2023 |
| **Deal Loan Count:** | 177 |
| **Valuations Summary** |  |
| *Loans in Report:* | *177* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 5002151 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.32% | XXXXXX | 0.000 | 97.44 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5002977 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.86% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.93% | XXXXXX | 15.000 | 88.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003488 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 28.92% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003567 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.90% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003810 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.57% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.19% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.46% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003826 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.28% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003843 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.95% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.84% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003860 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 5003861 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 5003862 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.86% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003892 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.28% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5003906 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 5003908 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.22% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7009894 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7016698 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7026643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | -6.47% | XXXXXX | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 89.28% | (No Data) |
| 7033737 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036489 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.31% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036573 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.53% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036620 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 18.02% | XXXXXX | 15.000 | 85.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036669 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.32% | XXXXXX | 9.000 | 91.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7036999 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.85% | XXXXXX | 4.700 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.68% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 13.95% | XXXXXX | 24.000 | 76.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037450 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.46% | XXXXXX | 6.200 | 94.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037775 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.83% | XXXXXX | 16.000 | 84.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7037953 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.25% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7038021 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.60% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7038402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.68% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7039314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.08% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7041413 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.83% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.45% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7042542 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 27.40% | XXXXXX | 13.000 | 87.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -19.93% | XXXXXX | 14.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.80% | XXXXXX | 24.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.09% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043594 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -38.75% | XXXXXX | 43.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043599 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -85.78% | XXXXXX | 25.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043614 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.65% | XXXXXX | 11.000 |  | XXXXXX | XXXXXX | XXXXXX | -4.26% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.34% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.69% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043745 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.00% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043844 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 10.07% | XXXXXX | 12.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043869 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.04% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043875 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.14% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043898 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 13.61% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043920 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -20.65% | XXXXXX | 14.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 6.23% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043974 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.63% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043981 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.19% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043988 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.81% | XXXXXX | 5.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7043993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.50% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044006 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 21.82% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044013 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.20% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -4.96% | (No Data) |
| 7044021 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 13.43% | XXXXXX | 50.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044027 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 13.81% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044039 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.83% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044046 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.68% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044052 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 42.15% | XXXXXX | 19.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.26% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044077 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.30% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.44% | XXXXXX | 15.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044094 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 7044113 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 7.05% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044123 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.09% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044130 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 7.50% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.50% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 12.62% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044182 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.21% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044196 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 6.90% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044202 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.56% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.67% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044246 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.70% | XXXXXX | 21.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.24% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044258 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.42% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.03% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.18% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044281 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.54% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.62% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.09% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044288 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.68% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044291 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.07% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.71% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.46% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.82% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.27% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.63% | XXXXXX | 50.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.88% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044360 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.93% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044375 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.74% | XXXXXX | 24.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.05% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044420 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.00% | XXXXXX | 21.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044427 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044437 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 7044458 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.21% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.80% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.03% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.63% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.63% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044500 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.32% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.09% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044508 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.54% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044579 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.06% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.00% | XXXXXX | 16.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044586 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.22% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044599 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -6.25% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044618 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 7044627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.76% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -13.33% | XXXXXX | 5.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044726 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 7044731 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.46% | XXXXXX | 24.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044752 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 9.55% | XXXXXX | 12.000 |  | XXXXXX | XXXXXX | XXXXXX | -15.05% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044769 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.47% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.05% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044866 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.52% | XXXXXX | 20.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044876 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.69% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044886 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 7044899 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.94% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044900 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.31% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044934 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.66% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044978 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.04% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044986 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.91% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7044988 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.41% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -1.71% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.11% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045057 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.67% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045074 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 32.31% | XXXXXX | 50.000 |  | XXXXXX | XXXXXX | XXXXXX | 2.56% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | XXXXXX | 12.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.94% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045178 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.88% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045193 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 7045205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 7045215 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -23.74% | XXXXXX | 10.000 |  | XXXXXX | XXXXXX | XXXXXX | -6.59% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 248.57% | XXXXXX | 45.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045246 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 7045261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.47% | XXXXXX | 24.000 |  | XXXXXX | XXXXXX | XXXXXX | 1.33% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045279 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 7045300 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.64% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 7045337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.00% | XXXXXX | 11.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045341 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.23% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 11.52% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.71% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.95% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 7045429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 7045447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 14.88% | XXXXXX | 14.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045469 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 7045486 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.65% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.36% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 7045520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.59% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045535 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 7045540 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.33% | XXXXXX | 50.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045591 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 9.11% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045600 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.00% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045622 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 7045655 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.85% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045658 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 7045662 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.28% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045709 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.38% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 7045738 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.61% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7045841 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 7115294 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7115556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.44% | XXXXXX | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7117691 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -19.23% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9001426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 18.62% | XXXXXX | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9001852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 9.90% | XXXXXX | 18.000 | 82.00 | XXXXXX | XXXXXX | XXXXXX | 1.01% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9002015 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9002066 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.79% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9002069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9002083 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.68% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.16

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.16**

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | &nbsp;&nbsp;**MFA 2023-NQM2** |
| **Start - End Dates:** | &nbsp;&nbsp;**9/6/2019 - 1/16/2023** |
| **Deal Loan Count:** | &nbsp;&nbsp;**177** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |
| <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.17

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.17**![](ex9917001.jpg)

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Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by MFA Financial Inc (together with its affiliates the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client via a Reliance Letter.

**Sample size of the assets reviewed.** 

The final population of the Review covered 25 Loans. Including 22 residential and 3 business purpose loans, totaling an aggregate original principal balance of approximately $18,372,584. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

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

The Review was conducted consistent with the criteria for S&P Global Ratings (S&P) and DBRS, Inc., the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

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

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

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

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

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

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

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

*Credit Application*

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

*Credit Report*

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

*Borrowing Entity*

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

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*Property Income*

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

*Valuation Review*

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

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

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

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*Asset Review*

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

*Insurance*

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

*Title*

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

*Fraud / Criminal Background*

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

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

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

Review procedures include:

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

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

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

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

● Review additional items for confirmation of non-owner occupancy possibly including:

○ That the credit report address is different than the subject property

○ There is a lease in place if the loan is a refinance

○ There is landlord insurance on the property

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

● Calculate DSCR as required by the guidelines

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;21 | &nbsp;&nbsp;84.00% | &nbsp;&nbsp;21 | &nbsp;&nbsp;84.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;3 | &nbsp;&nbsp;12.00% | &nbsp;&nbsp;3 | &nbsp;&nbsp;12.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |

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**Credit Results Summary**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;96.00% | &nbsp;&nbsp;24 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;23 | &nbsp;&nbsp;25 | &nbsp;&nbsp;92.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;21 | &nbsp;&nbsp;25 | &nbsp;&nbsp;84.00% |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;21 | &nbsp;&nbsp;25 | &nbsp;&nbsp;84.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;18 | &nbsp;&nbsp;25 | &nbsp;&nbsp;72.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;21 | &nbsp;&nbsp;25 | &nbsp;&nbsp;84.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;21 | &nbsp;&nbsp;25 | &nbsp;&nbsp;84.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;21 | &nbsp;&nbsp;25 | &nbsp;&nbsp;84.00% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;25 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;21 | &nbsp;&nbsp;25 | &nbsp;&nbsp;84.00% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;4 | &nbsp;&nbsp;25 | &nbsp;&nbsp;16.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;2 | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;21 | &nbsp;&nbsp;25 | &nbsp;&nbsp;84.00% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;2 | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.00% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;2 | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.00% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;17 | &nbsp;&nbsp;25 | &nbsp;&nbsp;68.00% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;21 | &nbsp;&nbsp;25 | &nbsp;&nbsp;84.00% |

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**APPENDIX A**

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

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

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(XI) FIRREA Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") 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 SFIG Compliance Review Scope.)

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

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

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

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**(XIII) Document Review**

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

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

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

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

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## Exhibit 99.18

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.18**

![](mfa-006.jpg)

**Rating Agency Grades**

**Run Date - 03/28/2023 12:48:30 PM**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1323778 | XXXXX | XXXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1323775 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1323774 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1323777 | XXXXX | XXXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1430360 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1442584 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1438378 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1438379 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1440617 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1439460 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1440619 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1452021 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1452461 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1452462 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1452463 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1465434 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1460794 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1460967 | XXXX | XXXX | XXXX A |  |  |  |  | A | A | A | A | A | A |
| 1467332 | XXXX | XXXX | XXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1461421 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1460795 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1462221 | XXXX | XXXX | XXXX A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A |
| 1461424 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1465862 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1466945 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |

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## Exhibit 99.19

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.19**

![](mfa-006.jpg)

**Exception Detail**

**Run Date - 03/28/2023 12:48:30 PM**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1323778 | XXXX | XXXX | 6505213 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Conditional XXXX XXXX XXXXX dated XX/XX/XXXX does not indicate XXX XXXX. Updated approval is required to confirm XXX type of XX XXXX XXXXX. | Document has been provided. |  |  | 12/14/2021 |  | A | 1 | XXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1438378 | XXXXX | XXXXX | 6972113 | 423 | XXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | CDA reflects XXXXX XXXX for the XXXX as XXX,XXX.XX when the amount on the XXXXX is XXX.XXX.XX |  |  | Reviewer 10/13/2022 12:37 PM; Per appraisal in file on X/XX/XXXX XX/XX requested the XXX be removed from the value due to being unpermitted. XXXX changed from $XXX,XXX to $XXX,XXX XXXX XXXX desk top analysis completed on X/XX/XXXX<br>Reviewer 10/13/2022 01:07 PM; Please provide corrected desk review<br>Reviewer 10/13/2022 08:12 PM; It appears as though the incorrect appraisal data may have been given to XXX for review. XXXX the XXX with the appraised value of $XXX,XXX without the XXX for their analysis.<br>| 10/20/2022 |  | A | 1 | XXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1438379 | XXXXX | XXXXX | 6972150 | 961 | XXXX | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  | Information provided |  | Reviewer 10/18/2022 12:23 PM; Inspection provided is not acceptable. XXX inspection provided only indicates that there is no damage noted from the front only. XXXX side, street, address and rear photos. XXX the inspector the subject was visible on the left side and partial view on the right side. XX rear or complete sides inspection was made. XXXX are also two very large dumpsters blocking the photos of the front of the property which would indicate that there is damage to the property.<br>| 10/25/2022 |  | A | 1 | XXXX | FL | 1 | 13 C A | A | A C |  | Non-QM | 1 |
| 1440619 | XXXXX | XXXXX | 6975325 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | UW Credit UW - Credit Other COMMENT: Supply evidence of the XXXX mortgage lien with all terms. | Documentation has been provided. |  | Reviewer 10/19/2022 09:17 PM; The opened date for XXX XXXX XXXX mortgage on the credit report reflects XX/XXXX. XXX mortgage statement received reflects the interest of X.XX% until XX/X/XX with a maturity date of XX/XXXX. this mortgage appears to have been a X year arm since the interest is fixed until XX/XX/XXXX<br>Reviewer 11/14/2022 02:07 PM; The document received does not reflect a fixed rate payment mortgage for XXX XXXX XXXX <br>Reviewer 11/30/2022 12:36 PM; Per guidelines, just need copy of note and does not have to be a fixed rate. XXXXX provided does not include all terms of XXXX lien. XXXX of XXXX mortgage note or billing statement (if contains terms of note) must be included in loan file <br>| 12/01/2022 |  | A | 1 | XXXX | AZ | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1440619 | XXXXX | XXXXX | 6977916 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation due to addition of XXXXX XXXX XXXXX XXX on the XX/XX XX with no valid coc. XXXXX provide proof of $XXX.XX refund along with letter of explanation to borrower and XXXX reflecting cure. XXX must be issued within XX days of consummation. XXX to borrower and evidence of payment shipped is required. XXX XXX in file states due to increase in appraisal value. XXXXX provide more detail for the additional XXXX XXXXX fee. XXXX, there was not a XXX appraisal. | XXXX XXX XXXX for addition of XXXXX XXXX review fee. |  |  | 10/19/2022 |  | A | 1 | XXXX | AZ | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1440619 | XXXXX | XXXXX | 6977917 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information XXXX |  |  | 10/19/2022 |  | A | 1 | XXXX | AZ | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1442584 | XXXXX | XXXXX | 6981413 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | UW Credit UW - Credit Other COMMENT: Supply evidence of the XXXX mortgage lien with all terms. | received |  | Reviewer 10/26/2022 06:02 PM; The document received did not include the XXXX rate note.<br>Reviewer 11/30/2022 12:34 PM; Per guidelines, need XXXX of XXXX mortgage note or billing statement (if contains terms of note) must be included in loan file XXXXX XXXXXX XXXX XXXX: XXXX XXXXX - amortized payment at current note rate or XXXX XXXX - fully amortizing principal <br>Reviewer 12/13/2022 05:35 PM; The exception document received did not verify if the XXX lien is a fixed rate fully amortizing<br>| 12/28/2022 |  | A | 1 | XXXX | CA | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1452461 | XXXXX | XXXXX | 7008817 | 387 | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Supply satisfactory evidence of taxes and insurance of $XXX monthly, for second home property at XXXX XXX XXXX XXXX XXXX XX (taxes on fraud $XXXX.XX/$XXX.XX- insurance needed) | Documentation provided is sufficient. |  | Reviewer 11/29/2022 06:37 PM; Property profile reflects no financing on XXXX XXX XXXX XXXX XXXX XX. XXXX statement from borrower regarding lack of XXX. <br>| 12/08/2022 |  | A | 1 | XXXX | CA | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1452462 | XXXXX | XXXXX | 7008674 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | CPA authentication to be verified, verify business, and phone number w/XXX directory assistance verification. | received |  |  | 11/29/2022 |  | A | 1 | XXXX | CO | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1452462 | XXXXX | XXXXX | 7009855 | 897 | XXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | A XXXX needs to be provided to show the itemized amounts for the XXXX and XXXX. XXX total is reflecting $XXX.XX | Information provided |  |  | 12/01/2022 |  | A | 1 | XXXX | CO | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1452462 | XXXXX | XXXXX | 7009856 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 12/01/2022 |  | A | 1 | XXXX | CO | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1452463 | XXXXX | XXXXX | 7009873 | 897 | XXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | A XXXX needs to be provided to show the itemized amounts for the XXXX and XXXX in XXXX E. | Information provided |  |  | 11/29/2022 |  | A | 1 | XXXX | HI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1452463 | XXXXX | XXXXX | 7009874 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 11/29/2022 |  | A | 1 | XXXX | HI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1461421 | XXXXX | XXXXX | 7041939 | 846 | XXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Provide evidence XXXX was delivered/received by borrower within X days of application of XX/XX/XXXX. | Information provided : XXXX closed for business XX-XX and XX-XX for XXXXX holiday break |  |  | 01/09/2023 |  | A | 1 | XXXX | AZ | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1461421 | XXXXX | XXXXX | 7041945 | 891 | XXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Provide XXXX XXXX XX was delivered/received by borrower within X days of application date of XX/XX/XXXX. XXXX dated XX in file is XX/XX/XXXX. XXXX evidence there are multiple tolerance violations and additional conditions may apply. | Information provided : XXXX closed for business XX-XX and XX-XX for XXXXX holiday break |  |  | 01/09/2023 |  | A | 1 | XXXX | AZ | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1461421 | XXXXX | XXXXX | 7041946 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | X% tolerance violation for decrease in XXXXX XXXX without a valid XXX. XXXX tolerance violation of $XXXX.XX. A refund in the amount of $$XXXX.XX along with XXXX XX, lox to borrower, copy of refund check and proof of delivery required within XX days from consummation. | Information provided |  |  | 01/10/2023 |  | A | 1 | XXXX | AZ | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1461421 | XXXXX | XXXXX | 7041947 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 01/10/2023 |  | A | 1 | XXXX | AZ | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1465434 | XXXXX | XXXXX | 7054172 | 1108 | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Guidelines require all appraisals have a desk review from XXXX XXXX | Second appraisal being utilized as secondary valuation. |  |  | 01/30/2023 |  | A | 1 | XXXX | AZ | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 1465434 | XXXXX | XXXXX | 7054409 | 891 | XXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Provide evidence initial XX was sent to the borrower within X days of application. XXX initial XX was singed XX/X/XXXX which is not with X days of the application date of XX/XX/XXXX and evidence it was sent within X days not located in file therefore we need evidence the XX was sent on or prior to XX/X/XXXX. | Information provided |  |  | 02/02/2023 |  | A | 1 | XXXX | AZ | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 1465434 | XXXXX | XXXXX | 7054410 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | X% tolerance violation for addition of XXX XXXXX without a valid XXX. XXXX tolerance violation of $XXX.XX. A refund in the amount of $XXX.XX along with XXXX XX, lox to borrower, copy of refund check and proof of delivery required within XX days from consummation. \*\*\*please also see deficiency for evidence of receipt of X/XX/XXXX XX. XX this cannot be provided there will be an additional tolerance violation for the increase in discount points on the X/XX/XXXX XX in the amount of $XXX.XX. | Information provided |  |  | 02/02/2023 |  | A | 1 | XXXX | AZ | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 1465434 | XXXXX | XXXXX | 7054411 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 02/02/2023 |  | A | 1 | XXXX | AZ | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 1465434 | XXXXX | XXXXX | 7054412 | 973 | XXXX | Compliance | Compliance |  | Compliance - CD- Other |  | Provide evidence borrower rec''''d X/XX/XXXX XX that was issued for the X/XX/XXXX XXX for relock and increase in discount points. XXXX are two XX''''s dated X/XX/XXXX. XXX was signed X/XX/XXXX which is the final XX signed at closing but there is no evidence of receipt for the other XX dated X/XX/XXXX. XX no evidence is provided to show receipt by the borrower there will be an additional tolerance violation for increase in discount points in the amount of $XXX.XX. | Information provided |  |  | 02/02/2023 |  | A | 1 | XXXX | AZ | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 1465434 | XXXXX | XXXXX | 7054418 | 847 | XXXX | Compliance | Disclosure |  | Disclosure - ECOA- missing Notice to Applicant of Right to Receive Copy of Appraisal Report, required within 3 days of application |  | Provide evidence XXXX to XXXX XXXX of XXXXX XXXXX was rec''''d within X days of application. XXXX is signed XX/X/XXXX which is not within X days of application date of XX/XX/XXXX. XXXX evidence disclosure was sent on or prior to XX/X/XXXX. | Information provided |  |  | 02/02/2023 |  | A | 1 | XXXX | AZ | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 1465862 | XXXXX | XXXXX | 7055066 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 02/02/2023 |  | A | 1 | XXXX | FL | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 1465862 | XXXXX | XXXXX | 7055067 | 897 | XXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Please provide a XXXX with the recording fees in XXXX E itemized between XXXX and XXXX. | Information provided |  |  | 02/02/2023 |  | A | 1 | XXXX | FL | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 1465862 | XXXXX | XXXXX | 7055369 | 1108 | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Updated XXX required on refinance appraisal dated XX/XX/XX (report provided was based off of appraisal at time of purchase in XXXX) | received |  |  | 01/31/2023 |  | A | 1 | XXXX | FL | 1 | 13 C A | C | A C |  | Non-QM | 1 |
| 1466945 | XXXXX | XXXXX | 7058878 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Evidence of XXXXX and XXX for XX XXXX missing from the file. |  |  |  | 02/06/2023 |  | A | 1 | XXXX | CA | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1466945 | XXXXX | XXXXX | 7058879 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Evidence of XXXXX and XXX for XX XXX XXXX missing from the file. |  |  | Reviewer 02/06/2023 09:18 PM; <br>| 02/06/2023 |  | A | 1 | XXXX | CA | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1467332 | XXXXX | XXXXX | 7058861 | 897 | XXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Need a XXXX with corrected funding date on pg X, XXX F. XXX date of X/XX does not give the minimum X days to rescind from date of closing. | PCCD with correct funding date provided |  |  |  | 02/07/2023 | B | 2 | XXXX | CA | 1 | 13 C B A | C | B A |  | Non-QM | 1 |
| 1467332 | XXXXX | XXXXX | 7058867 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 02/07/2023 |  | A | 1 | XXXX | CA | 1 | 13 C B A | C | B A |  | Non-QM | 1 |

---

## Exhibit 99.20

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.20**

![](mfa-006.jpg)

**Valuation Report**

**Run Date - 03/28/2023 12:48:30 PM**

---

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1323778 | XXXXXX | XXXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1323775 | XXXXXX | XXXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1323774 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1323777 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX | XXXX |  | 0.00% | XXXXX | 1004D |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1430360 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX | XXXX | XXXX | 16.00% | XXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1442584 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1438378 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.95% | Clear Capital | Moderate Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1438379 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Low Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1440617 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1439460 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1440619 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1452021 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1452461 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1452462 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | moderate | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1452463 | XXXXXX | XXXXXX | XXXXX | XXXX | XXXX | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1465434 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX | XXXX | XXXX | 15.79% | XXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1460794 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | moderate | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1460967 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | -2.86% | XXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1467332 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | moderate | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1461421 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Low Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1460795 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1462221 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1461424 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | low | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1465862 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Moderate | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1466945 | XXXXXX | XXXXXX | XXXXX | XXXX |  | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Moderate | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.21

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.21**

![](mfa-006.jpg)

**Data Compare**

**Run Date - 03/28/2023 12:48:30 PM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1430360 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1430360 | XXXXX | XXXXX | Lien Position |  | FirstLien | Verified |
| 1430360 | XXXXX | XXXXX | Maturity Date |  | 20520901 | Verified |
| 1430360 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1430360 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1430360 | XXXXX | XXXXX | Original P&I |  | 11496.25 | Verified |
| 1430360 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1430360 | XXXXX | XXXXX | Property Type |  | SF | Verified |
| 1430360 | XXXXX | XXXXX | Qualifying DTI |  | 0.34289 |  |
| 1430360 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1442584 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1442584 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1442584 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1442584 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1442584 | XXXXX | XXXXX | Maturity Date |  | 20521101 | Verified |
| 1442584 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1442584 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1442584 | XXXXX | XXXXX | Original P&I |  | 2661.60 | Verified |
| 1442584 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1442584 | XXXXX | XXXXX | Property Type |  | SF | Verified |
| 1442584 | XXXXX | XXXXX | Qualifying DTI |  | 0.38896 |  |
| 1442584 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1438378 | XXXXX | XXXXX | DSCR |  | 1.050 | Verified |
| 1438378 | XXXXX | XXXXX | Doc Type | Investor - DSCR | Debt Service Coverage | Verified |
| 1438378 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1438378 | XXXXX | XXXXX | Lien Position |  | FirstLien | Verified |
| 1438378 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1438378 | XXXXX | XXXXX | Maturity Date |  | 20621001 | Verified |
| 1438378 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1438378 | XXXXX | XXXXX | Occupancy | NonOwnerOccupied | Investment | Verified |
| 1438378 | XXXXX | XXXXX | Original P&I |  | 3610.05 | Verified |
| 1438378 | XXXXX | XXXXX | Original Term | 40 | 480 | Verified |
| 1438378 | XXXXX | XXXXX | Property Type |  | SF | Verified |
| 1438378 | XXXXX | XXXXX | Self-Employment Flag |  | N | Verified |
| 1438379 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1438379 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1438379 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1438379 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1438379 | XXXXX | XXXXX | Maturity Date |  | 20521001 | Verified |
| 1438379 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1438379 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1438379 | XXXXX | XXXXX | Original P&I |  | 2911.12 | Verified |
| 1438379 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1438379 | XXXXX | XXXXX | Property Type |  | SF | Verified |
| 1438379 | XXXXX | XXXXX | Qualifying DTI |  | 0.47569 | Verified |
| 1438379 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1440617 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1440617 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1440617 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1440617 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1440617 | XXXXX | XXXXX | Maturity Date |  | 20521001 | Verified |
| 1440617 | XXXXX | XXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1440617 | XXXXX | XXXXX | Original CLTV | XXXX | XXXX | Verified |
| 1440617 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1440617 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1440617 | XXXXX | XXXXX | Original P&I |  | 4527.04 | Verified |
| 1440617 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1440617 | XXXXX | XXXXX | Property Type |  | PDD | Verified |
| 1440617 | XXXXX | XXXXX | Qualifying DTI |  | 0.49820 |  |
| 1440617 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1439460 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1439460 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1439460 | XXXXX | XXXXX | Maturity Date |  | 20521101 | Verified |
| 1439460 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1439460 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1439460 | XXXXX | XXXXX | Original P&I |  | 3318.93 | Verified |
| 1439460 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1439460 | XXXXX | XXXXX | Property Type |  | SF | Verified |
| 1439460 | XXXXX | XXXXX | Qualifying DTI |  | 0.31372 |  |
| 1439460 | XXXXX | XXXXX | Self-Employment Flag |  | N | Verified |
| 1440619 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1440619 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1440619 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1440619 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1440619 | XXXXX | XXXXX | Maturity Date |  | 20521101 | Verified |
| 1440619 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1440619 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1440619 | XXXXX | XXXXX | Original P&I |  | 2688.30 | Verified |
| 1440619 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1440619 | XXXXX | XXXXX | Property Type |  | PDD | Verified |
| 1440619 | XXXXX | XXXXX | Qualifying DTI |  | 0.14937 |  |
| 1440619 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1452021 | XXXXX | XXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1452021 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1452021 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1452021 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1452021 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1452021 | XXXXX | XXXXX | Maturity Date |  | 20521201 | Verified |
| 1452021 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1452021 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1452021 | XXXXX | XXXXX | Original P&I |  | 2448.59 | Verified |
| 1452021 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1452021 | XXXXX | XXXXX | Property Type |  | SF | Verified |
| 1452021 | XXXXX | XXXXX | Qualifying DTI |  | 0.38555 |  |
| 1452021 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1452461 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1452461 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1452461 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1452461 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1452461 | XXXXX | XXXXX | Maturity Date |  | 20521201 | Verified |
| 1452461 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1452461 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1452461 | XXXXX | XXXXX | Original P&I |  | 3507.33 | Verified |
| 1452461 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1452461 | XXXXX | XXXXX | Property Type |  | PDD | Verified |
| 1452461 | XXXXX | XXXXX | Qualifying DTI |  | 0.30951 | Verified |
| 1452461 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1452462 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 24 Mos | Alternative Doc | Verified |
| 1452462 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1452462 | XXXXX | XXXXX | Lien Position |  | FirstLien | Verified |
| 1452462 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1452462 | XXXXX | XXXXX | Maturity Date |  | 20521201 | Verified |
| 1452462 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1452462 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1452462 | XXXXX | XXXXX | Original P&I |  | 3095.60 | Verified |
| 1452462 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1452462 | XXXXX | XXXXX | Property Type |  | SF | Verified |
| 1452462 | XXXXX | XXXXX | Qualifying DTI |  | 0.43958 | Verified |
| 1452462 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1452463 | XXXXX | XXXXX | Doc Type | Asset Related | Asset Depletion | Verified |
| 1452463 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1452463 | XXXXX | XXXXX | Lien Position |  | FirstLien | Verified |
| 1452463 | XXXXX | XXXXX | Maturity Date |  | 20521201 | Verified |
| 1452463 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1452463 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1452463 | XXXXX | XXXXX | Original P&I |  | 8812.15 | Verified |
| 1452463 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1452463 | XXXXX | XXXXX | Property Type |  | SF | Verified |
| 1452463 | XXXXX | XXXXX | Self-Employment Flag |  | N | Verified |
| 1465434 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1465434 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1465434 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1465434 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1465434 | XXXXX | XXXXX | Maturity Date |  | 20530201 | Verified |
| 1465434 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1465434 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1465434 | XXXXX | XXXXX | Original P&I |  | 1848.20 | Verified |
| 1465434 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1465434 | XXXXX | XXXXX | Property Type |  | SF | Verified |
| 1465434 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1460794 | XXXXX | XXXXX | Doc Type | Full Doc | Full | Verified |
| 1460794 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1460794 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1460794 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1460794 | XXXXX | XXXXX | Maturity Date |  | 20530101 | Verified |
| 1460794 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1460794 | XXXXX | XXXXX | Occupancy | NonOwnerOccupied | Investment | Verified |
| 1460794 | XXXXX | XXXXX | Original P&I |  | 6052.08 | Verified |
| 1460794 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1460794 | XXXXX | XXXXX | Property Type |  | SF | Verified |
| 1460794 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 1460794 | XXXXX | XXXXX | Qualifying DTI | 0.47470 | 0.47249 | Verified |
| 1460794 | XXXXX | XXXXX | Self-Employment Flag |  | N | Verified |
| 1460967 | XXXXX | XXXXX | Appraised Value | XX,XXX,XXX.XX | XX,XXX,XXX.XX | Verified |
| 1460967 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1460967 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1460967 | XXXXX | XXXXX | Index Type | 0 | 3.80732 | Verified |
| 1460967 | XXXXX | XXXXX | Lien Position |  | FirstLien | Verified |
| 1460967 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1460967 | XXXXX | XXXXX | Maturity Date |  | 20530101 | Verified |
| 1460967 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1460967 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Second Home | Verified |
| 1460967 | XXXXX | XXXXX | Original P&I |  | 48817.98 | Verified |
| 1460967 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1460967 | XXXXX | XXXXX | Property Type |  | PDD | Verified |
| 1460967 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1467332 | XXXXX | XXXXX | Appraised Value | XXX,XXX.XX | X,XXX,XXX.XX | Verified |
| 1467332 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1467332 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1467332 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1467332 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1467332 | XXXXX | XXXXX | Maturity Date |  | 20430201 | Verified |
| 1467332 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1467332 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1467332 | XXXXX | XXXXX | Original P&I |  | 1946.64 | Verified |
| 1467332 | XXXXX | XXXXX | Original Term | 20 | 240 | Verified |
| 1467332 | XXXXX | XXXXX | Property Type |  | PDD | Verified |
| 1467332 | XXXXX | XXXXX | Qualifying DTI | 0.49940 | 0.49938 | Verified |
| 1467332 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1461421 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1461421 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1461421 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1461421 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1461421 | XXXXX | XXXXX | Maturity Date |  | 20530101 | Verified |
| 1461421 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1461421 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1461421 | XXXXX | XXXXX | Original P&I |  | 2404.45 | Verified |
| 1461421 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1461421 | XXXXX | XXXXX | Property Type |  | PDD | Verified |
| 1461421 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1460795 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1460795 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1460795 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1460795 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1460795 | XXXXX | XXXXX | Maturity Date |  | 20530101 | Verified |
| 1460795 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1460795 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1460795 | XXXXX | XXXXX | Original P&I |  | 3713.84 | Verified |
| 1460795 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1460795 | XXXXX | XXXXX | Property Type |  | PDD | Verified |
| 1460795 | XXXXX | XXXXX | Qualifying DTI | 0.26820 | 0.05906 | Verified |
| 1460795 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1462221 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1462221 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1462221 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1462221 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1462221 | XXXXX | XXXXX | Maturity Date |  | 20530201 | Verified |
| 1462221 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1462221 | XXXXX | XXXXX | Occupancy | NonOwnerOccupied | Investment | Verified |
| 1462221 | XXXXX | XXXXX | Original P&I |  | 3933.38 | Verified |
| 1462221 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1462221 | XXXXX | XXXXX | Property Type |  | PDD | Verified |
| 1462221 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 1462221 | XXXXX | XXXXX | Qualifying DTI | 0.45240 | 0.45239 | Verified |
| 1462221 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1461424 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1461424 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1461424 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1461424 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1461424 | XXXXX | XXXXX | Maturity Date |  | 20530101 | Verified |
| 1461424 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1461424 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1461424 | XXXXX | XXXXX | Original P&I |  | 4527.04 | Verified |
| 1461424 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1461424 | XXXXX | XXXXX | Property Type |  | SF | Verified |
| 1461424 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1465862 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1465862 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1465862 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1465862 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1465862 | XXXXX | XXXXX | Maturity Date |  | 20530201 | Verified |
| 1465862 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1465862 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1465862 | XXXXX | XXXXX | Original P&I |  | 4427.08 | Verified |
| 1465862 | XXXXX | XXXXX | Original Term | 30 | 360 | Verified |
| 1465862 | XXXXX | XXXXX | Property Type |  | HC | Verified |
| 1465862 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1466945 | XXXXX | XXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| 1466945 | XXXXX | XXXXX | First Payment Date |  | XXXX | Verified |
| 1466945 | XXXXX | XXXXX | Lien Position |  | SecondLien | Verified |
| 1466945 | XXXXX | XXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1466945 | XXXXX | XXXXX | Maturity Date |  | 20330201 | Verified |
| 1466945 | XXXXX | XXXXX | Note Date |  | XXXX | Verified |
| 1466945 | XXXXX | XXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| 1466945 | XXXXX | XXXXX | Original P&I |  | 6572.98 | Verified |
| 1466945 | XXXXX | XXXXX | Original Term | 10 | 120 | Verified |
| 1466945 | XXXXX | XXXXX | Property City | XXXX | XXXX | Verified |
| 1466945 | XXXXX | XXXXX | Property Type |  | PDD | Verified |
| 1466945 | XXXXX | XXXXX | Self-Employment Flag |  | Y | Verified |
| 1323778 | XXXXX | XXXXX | Doc Type | Full | Alternative Doc | Verified |
| 1323778 | XXXXX | XXXXX | Original P&I |  | 3408.75 | Verified |
| 1323778 | XXXXX | XXXXX | PITI |  | XXXX | Verified |
| 1323778 | XXXXX | XXXXX | Qualifying DTI | 31.57000 | 0.31570 | Verified |
| 1323775 | XXXXX | XXXXX | Doc Type | Full | Alternative Doc | Verified |
| 1323775 | XXXXX | XXXXX | Original P&I |  | 3898.22 | Verified |
| 1323775 | XXXXX | XXXXX | PITI |  | XXXX |  |
| 1323775 | XXXXX | XXXXX | Prepayment Penalty | Y | N | Verified |
| 1323775 | XXXXX | XXXXX | Qualifying DTI | 43.31700 | 0.43317 | Verified |
| 1323774 | XXXXX | XXXXX | Doc Type | Full | Alternative Doc | Verified |
| 1323774 | XXXXX | XXXXX | Original P&I |  | 2246.11 | Verified |
| 1323774 | XXXXX | XXXXX | PITI |  | XXXX |  |
| 1323774 | XXXXX | XXXXX | Prepayment Penalty | Y | N | Verified |
| 1323774 | XXXXX | XXXXX | Qualifying DTI | 28.55000 | 0.28552 | Verified |
| 1323777 | XXXXX | XXXXX | Doc Type | Full | Alternative Doc | Verified |
| 1323777 | XXXXX | XXXXX | Original P&I |  | 1645.83 | Verified |
| 1323777 | XXXXX | XXXXX | PITI |  | XXXX | Verified |
| 1323777 | XXXXX | XXXXX | Qualifying DTI | 26.88000 | 0.26841 | Verified |

---

## Exhibit 99.22

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.22**

![](mfa-006.jpg)

**QM ATR Data**

**Run Date - 03/28/2023 12:48:30 PM**

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1323778 | XXXXXX | XXXXXX | Non-QM | N/A | No | XXXXXX | No | $2340.00 | 11/16/2021 | 4.069% | Self-Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | No |  |
| 1323775 | XXXXXX | XXXXXX | Non-QM | N/A | No | XXXXXX |  | $15790.00 | 10/29/2021 | 3.304% | Employed | Self-Employed | US Citizen | US Citizen | No |  |
| 1323774 | XXXXXX | XXXXXX | Non-QM | N/A | No | XXXXXX | No | $11840.00 | 11/11/2021 | 3.963% | Self-Employed |  | US Citizen |  | No |  |
| 1323777 | XXXXXX | XXXXXX | Non-QM | N/A | No | XXXXXX | No | $5640.00 | 11/09/2021 | 4.025% | Self-Employed |  | US Citizen |  | No |  |
| 1430360 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX | No | $43095.00 | 08/22/2022 | 7.13% | Self-Employed |  | US Citizen |  | Yes | $36610.08 |
| 1442584 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX | No | $10916.00 | 09/01/2022 | 9.804% | Self-Employed |  | US Citizen |  | No |  |
| 1438378 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXX | No |  |  | 0.00% | Not Required |  | US Citizen |  | No |  |
| 1438379 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX | No | $9932.50 | 09/12/2022 | 9.735% | Self-Employed |  | US Citizen |  | No |  |
| 1440617 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX | No | $9120.00 | 09/19/2022 | 10.624% | Self-Employed | Self-Employed | US Citizen | US Citizen | No |  |
| 1439460 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX | No | $5244.92 | 08/30/2022 | 9.669% | Employed |  | US Citizen |  | No |  |
| 1440619 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX | No | $7995.00 | 09/22/2022 | 10.641% | Self-Employed |  | US Citizen |  | No |  |
| 1452021 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX |  | $9671.25 | 09/19/2022 | 10.178% | Self-Employed | Unemployed | US Citizen | US Citizen | No |  |
| 1452461 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX |  | $7275.00 | 10/04/2022 | 10.275% | Self-Employed |  | US Citizen |  | No |  |
| 1452462 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX |  | $15251.50 | 10/06/2022 | 9.071% | Unemployed | Self-Employed | US Citizen | US Citizen | No |  |
| 1452463 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX |  | $6860.00 | 10/27/2022 | 9.597% | Not Required | Not Required | US Citizen | US Citizen | No |  |
| 1465434 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX | No | $7980.00 | 01/17/2023 | 11.156% | Self-Employed |  | US Citizen |  | No |  |
| 1460794 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXX | No |  |  | 0.00% | Retired |  | US Citizen |  | No |  |
| 1460967 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX | No | $151620.00 | 12/13/2022 | 8.698% | Self-Employed | Self-Employed | US Citizen | US Citizen | No |  |
| 1467332 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX | No | $6120.00 | 01/17/2023 | 10.665% | Self-Employed |  | US Citizen |  | No |  |
| 1461421 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX | No | $7282.50 | 11/21/2022 | 11.529% | Self-Employed |  | US Citizen |  | Yes | $18062.19 |
| 1460795 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX |  | $12150.00 | 12/13/2022 | 10.894% | Self-Employed |  | US Citizen |  | No |  |
| 1462221 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXX |  |  |  | 0.00% | Self-Employed |  | US Citizen |  | No |  |
| 1461424 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX | No | $11295.00 | 12/21/2022 | 10.686% | Self-Employed |  | US Citizen |  | No |  |
| 1465862 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX | No | $15995.00 | 12/22/2022 | 11.051% | Self-Employed |  | US Citizen |  | No |  |
| 1466945 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXX | No | $1620.00 | 01/11/2023 | 10.026% | Self-Employed |  | US Citizen |  | No |  |

---

## Exhibit 99.23

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.23**

![](mfa-006.jpg)

**Business Purpose Data**

**Run Date - 03/28/2023 12:48:30 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** |
| XXXXX | XXXXX | XXXXX |  | XXXX | XXXX | XXXX No Ratio (DSCR >= 1.00) 40 Yr Fixed I/O | 20221003 | Debt Service Coverage | Yes | Yes | $4000.00 | $4450.00 | FNMA 1007/216 | Leases | No |  |  | 4000 | 1.05 | 1.05 | $3789.60 | 20230913 | 12 |  | Yes | $45511.20 |  | NO | $0.00 | $143.30 | $36.25 | Stated, Verified | NO | 2 | 2 |  | No | No | Experienced | 59 | 18 | US Citizen |  | 806 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20220822 |  | XXXX | 1 | XXXX | XXXX | 2 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  |
| XXXXX | XXXXX | XXXXX |  | XXXX | XXXX | XXXX Second Full Doc 30 Yr Fixed IO | 20220928 | Full | Yes | Yes | $6250.00 | $6500.00 | FNMA 1007/216 | Leases | No | 47.249 |  | 0 |  |  | $9033.74 | 20230718 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $1424.98 | $149.75 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 111 | 0.1 | US Citizen |  | 767 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX |  | US Citizen | Stated, Verified | 780 | 767 | 767 |  |  |  |  |  |  |  |  | Retired |  | 20221110 |  | XXXX | 1 | XXXX | XXXX | 5 | 4 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  |
| XXXXX | XXXXX | XXXXX |  | XXXX | XXXX | XXXX Second Mortgage Bank Statements 30 Yr Fixed | 20220928 | ALTDOC | Yes | No | $0.00 | $10412.00 | FNMA 1007/216 | FNMA 1007/216 | No | 45.239 |  | 0 | 0 | 0 | $5390.44 |  |  |  | Yes | $185100.00 |  | YES | $129.66 | $1234.82 | $92.58 | Stated, Verified | NO |  | 2 |  | No | No | Experienced | 76 | 9 | US Citizen |  | 714 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20221201 |  | XXXX | 1 | XXXX | XXXX | 5 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  |

---

## Exhibit 99.24

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.24**

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> ![](ex9924001.jpg) <br>**MFA 2023-NQM2**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mortgage Loan Sale Executive Summary Report<br>![](ex9924002.jpg)  |

---

0 \| P a g e

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 14.0 |
| Tape Integrity Review Results Summary | 15.0 |
| Additional Loan Population Summary | 15.0 |

---

1 \| P a g e

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

2 \| P a g e

**Description of the due diligence performed**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by MFA Financial, Inc. ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of one hundred and thirty-five (135) mortgage loans that were originally reviewed from October 2021 to January 2023.

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

The mortgage loan review was broken down into the following review scopes:

&nbsp;&nbsp;&nbsp;&nbsp;■ "Compliance Review": 135 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit Review": 135 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Property Review" 135 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity" 135
Mortgage Loans

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

Infinity 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 Infinity.

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

For one hundred and thirty-five (135) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

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

Infinity conducted a credit review for one hundred and thirty-five (135) mortgage loans. At that time, Infinity reviewed the 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 Infinity 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.

3 \| P a g e

There were 17 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

**Credit Application:** For the Credit Application, Infinity 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:** Infinity'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, Infinity: (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 date required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** Infinity 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:** Infinity 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, Infinity 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 Infinity. During the course of this review, Infinity (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.

**Occupancy Review:** Infinity 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, Infinity 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.

4 \| P a g e

**Fraud Review:** Infinity 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, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity 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, Infinity 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:** Infinity's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** Infinity 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.

**Business Purpose/DSCR Scope:** Infinity conducted business purpose/property focused Investor review for sixty-three (63) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

5 \| P a g e

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

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for one hundred and thirty-five (135) mortgage loans. For these one hundred and thirty-five (135) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

Infinity'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. Infinity'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, Infinity'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 Infinity'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 Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

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If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity 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 Infinity'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.

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

Infinity completed a Compliance Review on one hundred and thirty-five (135) mortgage loans. Please be advised that Infinity 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 Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity 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 Infinity 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 Infinity 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. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, Infinity 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, Infinity's review was limited to formal general statements of entity compliance provided by the mortgage
loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage
loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") 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 SFIG Compliance Review Scope.)

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity 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, Infinity 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, Infinity 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>*

Infinity 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.

Infinity 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"). Infinity 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. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity to review, and only reflects information as of that point in time.

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

Infinity 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 Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the 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.

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

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr 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, Infinity 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**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

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

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSRO listed in Item 3 of the ABS Due Diligence 15E, S&P Global Ratings ("S&P") and DBRS, Inc. ("DBRS").

**OVERALL RESULTS SUMMARY (135 Mortgage Loans)**

Infinity's review to NRSRO grading requirements covers one hundred and thirty-five (135) mortgage loans. Within those mortgage loans, Infinity graded one hundred and thirty-three (133) mortgage loans as "A" and two (2) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;135 | &nbsp;&nbsp;133 | &nbsp;&nbsp;135 | &nbsp;&nbsp;133 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;98.52% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;98.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.48% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.48% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;135 | &nbsp;&nbsp;133 | &nbsp;&nbsp;135 | &nbsp;&nbsp;133 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;98.52% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;98.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.48% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.48% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

14 \| P a g e

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (135 Mortgage Loans)**

Of the one hundred and thirty-five (135) mortgage loans reviewed, 34 (25.18%) mortgage loans had tape discrepancies across fourteen (14) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Variances** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% # Loans** |
| &nbsp;&nbsp;B1 Credit Score | &nbsp;&nbsp;3 | &nbsp;&nbsp;135 | &nbsp;&nbsp;2.22% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;11 | &nbsp;&nbsp;135 | &nbsp;&nbsp;8.15% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;135 | &nbsp;&nbsp;1.48% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;135 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Interest Only Period? | &nbsp;&nbsp;1 | &nbsp;&nbsp;135 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Loan Amortization Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;135 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Loan Documentation Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;135 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;Occupancy at Origination (Property Usage Type) | &nbsp;&nbsp;3 | &nbsp;&nbsp;135 | &nbsp;&nbsp;2.22% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;135 | &nbsp;&nbsp;2.96% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;135 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Original Stated P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;135 | &nbsp;&nbsp;1.48% |
| &nbsp;&nbsp;Original Stated Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;135 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;135 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;135 | &nbsp;&nbsp;1.48% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (135 Mortgage Loans)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;133 | &nbsp;&nbsp;98.52% | &nbsp;&nbsp;$82760033.00 | &nbsp;&nbsp;92.82% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.48% | &nbsp;&nbsp;$6400000.00 | &nbsp;&nbsp;7.18% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**135** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$89160033.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;119 | &nbsp;&nbsp;88.15% | &nbsp;&nbsp;$84092405.00 | &nbsp;&nbsp;94.32% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;16 | &nbsp;&nbsp;11.85% | &nbsp;&nbsp;$5067628.00 | &nbsp;&nbsp;5.68% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**135** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$89160033.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;54 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;$26423128.00 | &nbsp;&nbsp;29.64% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;15 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;$13793215.00 | &nbsp;&nbsp;15.47% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;43 | &nbsp;&nbsp;31.85% | &nbsp;&nbsp;$32169690.00 | &nbsp;&nbsp;36.08% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;23 | &nbsp;&nbsp;17.04% | &nbsp;&nbsp;$16774000.00 | &nbsp;&nbsp;18.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**135** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$89160033.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;$440000.00 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;5.19% | &nbsp;&nbsp;$3700275.00 | &nbsp;&nbsp;4.15% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;125 | &nbsp;&nbsp;92.59% | &nbsp;&nbsp;$82565758.00 | &nbsp;&nbsp;92.60% |
| &nbsp;&nbsp;480 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.48% | &nbsp;&nbsp;$2454000.00 | &nbsp;&nbsp;2.75% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**135** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$89160033.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;60 | &nbsp;&nbsp;44.45% | &nbsp;&nbsp;$49343856.00 | &nbsp;&nbsp;55.34% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.22% | &nbsp;&nbsp;$5021987.00 | &nbsp;&nbsp;5.63% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;72 | &nbsp;&nbsp;53.33% | &nbsp;&nbsp;$34794190.00 | &nbsp;&nbsp;39.03% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**135** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$89160033.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;01-14-22_montage_prime_guidelines__v1.0 (2).pdf |
| &nbsp;&nbsp;01-14-22_spectrum_no_ratio_guidelines_v1.0 (2).pdf |
| &nbsp;&nbsp;01-31-2022 apex_prime_bank_statement_guidelines_v1 |
| &nbsp;&nbsp;Acra Rate Matrix, 3MBS, 2021 06 12.pdf |
| &nbsp;&nbsp;Acra Rate Matrix, Non Prime, 2021 08 06 |
| &nbsp;&nbsp;Acra Rate Matrix, Non Prime, 2021 08 06.pdf |
| &nbsp;&nbsp;Aspire Guidelines_9.30v1.6.pdf |
| &nbsp;&nbsp;Aspire X Guidelines (v1).pdf |
| &nbsp;&nbsp;EC NonQM Eligibility Guidelines v3.7.pdf |
| &nbsp;&nbsp;EC NonQM Investor Eligibility Guidelines v3.7 (Mar |
| &nbsp;&nbsp;EC NonQM Investor Eligibility Guidelines v3.8 (Mar |
| &nbsp;&nbsp;EC NonQM Product Matrices v3.7 |
| &nbsp;&nbsp;EC NonQM Product Matrices v3.7 (Marked-up) |
| &nbsp;&nbsp;EC NonQM Product Matrices v3.8 (Marked-up).pdf |
| &nbsp;&nbsp;Jumbo Underwriting Guidelines, 2020 12 07.pdf |
| &nbsp;&nbsp;NonQM Guideline Updates v3.8 |
| &nbsp;&nbsp;NQM Underwriting Guidelines, 2021 05 01.pdf |

---

17 \| P a g e

## Exhibit 99.25

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.25**

**Tape Discrepancies**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Dummy ID** | **Loan #1** | **Loan #2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| I3Z50G1G2DF | xx |  | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Final CD reflects Purpose of Transaction per HUD-1 as Cash-Out. | Initial |  |
| VILZB3ROJNH | xx |  | Borrower DTI Ratio Percent | 32.302% | 36.243% | -3.941% | -3.94100% | Total subject property PITIA (P&I $3,654.58 + Real Estate Taxes $1,723.12 + Hazard Insurance $963.12 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $261.00 + Subject property other liens P&I $8,360.31) equals $14,962.13 and monthly other debts equals $22,165.00. Total verified monthly income equals $114,936.18. Borrower DTI ratio equals 32.30%. | Initial |  |
| 2XTJCWUIVNK | xx |  | Borrower DTI Ratio Percent | 30.744% | 27.385% | 3.359% | 3.35900% | Total subject property PITIA (P&I $1,895.83 + Real Estate Taxes $817.67 + Hazard Insurance $213.37 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $463.00 + subject property other liens P&I $3,286.00) equals $6,675.87 and monthly other debts equals $750.00. Total verified monthly income equals $24,154.24. Borrower DTI ratio equals 30.74%. | Initial |  |
| WFDB4DENMT0 | xx |  | Occupancy at Origination (Property Usage Type) | Investor | Secondary |  |  | Final Application reflects Occupancy at Origination as Investor. | Initial |  |
| FSUZE3GDLKE | xx |  | Loan Amortization Type | ARM |  |  |  | Note reflects Loan amortization type as ARM | Initial |  |
| FSUZE3GDLKE | xx |  | Loan Documentation Type | Full Documentation | Alternative |  |  | Loan documentation type is Full documentation. | Initial |  |
| FSUZE3GDLKE | xx |  | Occupancy at Origination (Property Usage Type) | Secondary | Primary |  |  | Final Application reflects occupancy at origination as Secondary | Initial |  |
| FLCVYXKNGGB | xx |  | Occupancy at Origination (Property Usage Type) | Secondary | Primary |  |  | Final Application reflects Occupancy at Origination as Secondary. | Initial |  |
| PMEHDWWRIO4 | xx |  | Original Note Doc Date | xx | xx | -6 (Days) |  | The Note reflects the Original Note Doc Date as xx | Initial |  |
| OGDAFRXK1XS | xx |  | Property County | xx | xx |  |  | Mortgage dated xx reflects Property County as xx | Initial |  |
| IJNHHKSX3LE | xx |  | Borrower DTI Ratio Percent | 16.074% | 34.270% | -18.196% | -18.19600% | Total subject property PITIA (P&I $1221.32 + Real Estate Taxes $160.09 + Hazard Insurance $224.08 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $0.00) equals $1605.49 and monthly other debts equals $103 . Total verified monthly income equals $10629.08 . Borrower DTI ratio equals 16.07%. | Initial |  |
| NR3ZVFXJX4B | xx |  | Loan Documentation Type | Full Documentation | Alternative |  |  | Loan documentation type is Full Documentation. | Initial |  |
| V0KL5NQDXUX | xx |  | Loan Documentation Type | Full Documentation | Alternative |  |  | Loan documentation type is Full Documentation | Initial |  |
| FCORD1PR45E | xx |  | B1 Credit Score | 814 | 805 | 9 | 1.11801% | Credit report dated xx reflect B1 FICO score is 814. | Initial |  |
| FCORD1PR45E | xx |  | Original Appraised Value | xx | xx | xx | 15.25423% | The Appraisal dated xx reflects the Original Appraised value as xx | Initial |  |
| GCM2DKMOSBR | xx |  | Original Appraised Value | xx | xx | xx | 6.34857% | The Appraisal dated xx reflects the Original Appraised value as xx | Initial |  |
| GCM2DKMOSBR | xx |  | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Final CD reflects Purpose of Transaction per HUD-1 as Cash-out. | Initial |  |
| HW45YPZBUA5 | xx |  | Borrower DTI Ratio Percent | 28.222% | 42.989% | -14.767% | -14.76700% | Total subject property PITIA (P&I $988.15 + Real Estate Taxes $463.48+ Hazard Insurance $70.58 + HOA Dues $150.00) equals $1,672.21 and monthly other debts equals $885.00. Total verified monthly income equals $9,060.97. Borrower DTI ratio equals 28.222%. | Initial |  |
| HW45YPZBUA5 | xx |  | Loan Documentation Type | Full Documentation | Alternative |  |  | Loan documentation type is Full Documentation | Initial |  |
| HW45YPZBUA5 | xx |  | Original Appraised Value | xx | xx | xx | 0.05157% | The Appraisal dated xx reflects the Original Appraised value as xx | Initial |  |
| 45G0AF1MTR3 | xx |  | Loan Documentation Type | Full Documentation | Alternative |  |  | Loan documentation type is Full Documentation | Initial |  |
| NCYC4R5DGM1 | xx |  | Loan Documentation Type | Full Documentation | Alternative |  |  | Loan documentation type is Full Documentation. | Initial |  |
| 0F5C0HTLCMF | xx |  | B1 Credit Score | 745 | 794 | -49 | -6.17128% | Credit report dated xx reflect B1 FICO score is 745. | Initial |  |
| 0F5C0HTLCMF | xx |  | Borrower DTI Ratio Percent | 34.049% | 48.216% | -14.167% | -14.16700% | Total subject property PITIA (P&I $3322.92 + Real Estate Taxes $1561.95 + Hazard Insurance $104.93 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $0.00) equals $4989.80 and monthly other debts equals $161 . Total verified monthly income equals $15127.70 . Borrower DTI ratio equals 34.049%. | Initial |  |
| VKUB5LGEMJH | xx |  | Borrower DTI Ratio Percent | 36.933% | 45.052% | -8.119% | -8.11900% | Total subject property PITIA (P&I $8553.12 + Real Estate Taxes $2395.83 + Hazard Insurance $79.07 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $0.00) equals $11028.02 and monthly other debts equals $35 . Total verified monthly income equals $29954. Borrower DTI ratio equals 36.93%. | Initial |  |
| ATM4OBNO4G2 | xx |  | Original Appraised Value | xx | xx | xx | 15.55555% | The Appraisal dated xx reflects the Original Appraised value as xx | Initial |  |
| MWEGH5GZLXS | xx |  | Loan Documentation Type | Full Documentation | Alternative |  |  | Loan documentation type is Full Documentation | Initial |  |
| MPLR1CAGGNG | xx |  | Disbursement Date | xx | xx | -1 (Days) |  | Final CD reflects disbursement date is xx | Initial |  |
| VPY5Y5AUQRK | xx |  | Original Stated P&I | $1739.44 | $1378.12 | $361.32 | 26.21832% | Note dated xxreflects Original Stated P&I as $1,739.44. | Initial |  |
| TBLYAQLESK4 | xx |  | Interest Only Period? | No | Yes |  |  | Note dated xxreflects Interest only period as No | Initial |  |
| PQ3ORDZ3LXP | xx |  | Borrower DTI Ratio Percent | 30.374% | 40.948% | -10.574% | -10.57400% | Total subject property PITIA (P&I $2638.59 + Real Estate Taxes $1353.12 + Hazard Insurance $153.33 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $254) equals $4399.04 and monthly other debts equals $$672.00 . Total verified monthly income equals $16695.47 . Borrower DTI ratio equals 30.37%. | Initial |  |
| JBF321XMB5U | xx |  | Loan Documentation Type | Full Documentation | Alternative |  |  | Loan documentation type is Full Documentation | Initial |  |
| W4GONA1JAEE | xx |  | Borrower DTI Ratio Percent | 39.870% | 49.359% | -9.489% | -9.48900% | Total subject property PITIA (P&I $12000 + Real Estate Taxes $5833.33 + Hazard Insurance $900.54 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $157) equals $18890.87 and monthly other debts equals $2902.00. Total verified monthly income equals $54659.84 . Borrower DTI ratio equals 39.87%. | Initial |  |
| SZ3GBKX1VHR | xx |  | Borrower DTI Ratio Percent | 41.375% | 49.787% | -8.412% | -8.41200% | Total subject property PITIA (P&I $9,619.17 + Real Estate Taxes $2,926.27 + Hazard Insurance $615.66 + HOA Dues $411.25) equals $13,572.35 and monthly other debts equals $4,685.67. Total verified monthly income equals $44,128.39. Borrower DTI ratio equals 41.375%. | Initial |  |
| N5FIJND2EAM | xx |  | B1 Credit Score | 677 | 732 | -55 | -7.51366% | Credit report dated xxreflect B1 FICO score is 677. | Initial |  |
| BT1NKU1D3M3 | xx |  | Borrower DTI Ratio Percent | 38.742% | 49.291% | -10.549% | -10.54900% | Total subject property PITIA (P&I $8,250.00 + Real Estate Taxes $2,864.58 + Hazard Insurance $269.18) equals $11,383.76 and monthly other debts equals $137.00. Total verified monthly income equals $29,383.42. Borrower DTI ratio equals 38.74%. | Initial |  |
| KNHCHAX4DUR | xx |  | Borrower DTI Ratio Percent | 11.644% | 27.900% | -16.256% | -16.25600% | Total subject property PITIA (P&I $2,061.23 + Real Estate Taxes $873.89 + Hazard Insurance $233.17 + HOA Dues $139.58) equals $3,307.87 and monthly other debts equals $4,790.05. Total verified monthly income equals $69,545.00. Borrower DTI ratio equals 11.644%. | Initial |  |
| XAPFS4FEXDH | xx |  | First Payment Date | xx | xx | 31 (Days) |  | Note dated xx reflects first payment date as xx | Initial |  |
| BNJP5S5JZ3P | xx |  | Loan Documentation Type | Alternative | Full Documentation |  |  | Loan documentation type is Alternative. | Initial |  |
| EG4W2YYWML4 | xx |  | Disbursement Date | xx | xx | -1 (Days) |  | Final CD reflects disbursement date is xx | Initial |  |
| SBTUUIXVMF0 | xx |  | Loan Documentation Type | Alternative | Full Documentation |  |  | Loan documentation type is Alternative. | Initial |  |
| SBTUUIXVMF0 | xx |  | Original Stated P&I | $1760.56 | $1710.06 | $50.50 | 2.95311% | Note dated xx reflects Original Stated P&I as $1,760.56. | Initial |  |
| SBTUUIXVMF0 | xx |  | Original Stated Rate | 4.75000% | 4.50000% | 0.25000% | 0.25000% | Note dated xx reflects Original stated rate as 4.750%. | Initial |  |

---

## Exhibit 99.26

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.26**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Dummy ID** | **Loan Number 1** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| GWZH2KDE5QJ | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | GWZH2KDE5QJ-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL: Charged 11.304% Allowed 10.660% Over By +0.644%<br>HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 11/10/2022 | 11/10/2022 | 11/10/2022 | 11/10/2022 |
| GWZH2KDE5QJ | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | GWZH2KDE5QJ-XN9T8COZ | Resolved | 2 | R | \* State/Local Predatory APR Test Fail (Lvl R) | CE test reflects a fail for "CA Covered Loan APR Threshold Test<br> "CA AB 344 §1 [CA FC §4970(b)(1)(A)]) - The annual percentage rate at consummation exceeds by more than 8% points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month of the date creditor received application (formerly application date)"<br>However the CA AB 344 §1 [CA FC §4970(b)(1)(A)]) rule cites <br> "For a mortgage or deed of trust, the annual percentage rate at consummation of the transaction will exceed by more than eight percentage points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month in which the application for the extension of credit is received by the creditor"<br>Loan file is documented with APR of 11.304% and CE comparison APR is 11.100% | A disclosure written in 12-point font or larger containing mandated text and entitled CONSUMER CAUTION AND HOME OWNERSHIP COUNSELING NOTICE is provided to the consumer no later than three business days prior to signing the loan documents for the covered loan | A disclosure written in 12-point font or larger containing mandated text and entitled CONSUMER CAUTION AND HOME OWNERSHIP COUNSELING NOTICE is provided to the consumer no later than three business days prior to signing the loan documents for the covered loan |  |  | QC Complete | 11/10/2022 | 11/10/2022 | 11/10/2022 | 11/10/2022 |
| VILZB3ROJNH | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | VILZB3ROJNH-HJ060Q28 | Resolved | 4 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br>Higher-Priced Mortgage Loan Test Fail : Charged 11.141% Allowed 10.290% Over by +0.851%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 11/04/2022 |
| VILZB3ROJNH | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | VILZB3ROJNH-IHTXC9P6 | Resolved | 4 | R | \* State High Cost or Predatory Lending Law Failure (Lvl R) | CE test reflects a fail for "CA Covered Loan APR Threshold Test". CA AB 344 §1 [CA FC §4970(b)(1)(A)]) - The annual percentage rate at consummation exceeds by more than 8% points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month of the date creditor received application (formerly application date). However the CA AB 344 §1 [CA FC §4970(b)(1)(A)]) rule cites For a mortgage or deed of trust, the annual percentage rate at consummation of the transaction will exceed by more than eight percentage points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month in which the application for the extension of credit is received by the creditor.<br>Loan file is documented with APR of 11.141% and Comparison APR is 11.100% | A disclosure written in 12-point font or larger containing mandated text and entitled CONSUMER CAUTION AND HOME OWNERSHIP COUNSELING NOTICE is provided to the consumer no later than three business days prior to signing the loan documents for the covered loan. | A disclosure written in 12-point font or larger containing mandated text and entitled CONSUMER CAUTION AND HOME OWNERSHIP COUNSELING NOTICE is provided to the consumer no later than three business days prior to signing the loan documents for the covered loan. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 12/13/2022 |
| VILZB3ROJNH | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | VILZB3ROJNH-XN9T8COZ | Resolved | 4 | R | \* State/Local Predatory APR Test Fail (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged 11.141% Allowed 10.290% Over By +0.851%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a)) | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a)) | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a)) |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 11/10/2022 |
| 4Q2WR20LDRO | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 4Q2WR20LDRO-IHTXC9P6 | Resolved | 4 | R | \* State High Cost or Predatory Lending Law Failure (Lvl R) | CE test reflects a fail for "CA Covered Loan APR Threshold Test".<br> CA AB 344 §1 [CA FC §4970(b)(1)(A)]) - The annual percentage rate at consummation exceeds by more than 8% points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month of the date creditor received application (formerly application date).<br>However the CA AB 344 §1 [CA FC §4970(b)(1)(A)]) rule cites <br> For a mortgage or deed of trust, the annual percentage rate at consummation of the transaction will exceed by more than eight percentage points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month in which the application for the extension of credit is received by the creditor.<br>Loan file is documented with APR of 12.602% and Comparison APR is 11.990% | A disclosure written in 12-point font or larger containing mandated text and entitled CONSUMER CAUTION AND HOME OWNERSHIP COUNSELING NOTICE is provided to the consumer no later than three business days prior to signing the loan documents for the covered loan. | A disclosure written in 12-point font or larger containing mandated text and entitled CONSUMER CAUTION AND HOME OWNERSHIP COUNSELING NOTICE is provided to the consumer no later than three business days prior to signing the loan documents for the covered loan. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 12/13/2022 |
| 4Q2WR20LDRO | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 4Q2WR20LDRO-XN9T8COZ | Resolved | 4 | R | \* State/Local Predatory APR Test Fail (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail : Charged 11.162% Allowed 10.530% Over By +0.632%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 11/10/2022 |
| 4Q2WR20LDRO | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 4Q2WR20LDRO-HJ060Q28 | Resolved | 4 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br>Higher-Priced Mortgage Loan Test Fail : Charged 11.162% Allowed 10.530% Over by +0.632%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 11/04/2022 |
| TOBNVXDDDSZ | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | TOBNVXDDDSZ-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail: Charged 11.050% Allowed 10.660% Over by+0.390%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 01/12/2023 | 01/12/2023 | 01/12/2023 | 01/12/2023 |
| TOBNVXDDDSZ | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | TOBNVXDDDSZ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Charged 11.050% Allowed 10.660% Over by+0.390%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 01/12/2023 | 01/12/2023 | 01/12/2023 | 11/10/2022 |
| V5BUINCLL42 | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | V5BUINCLL42-XN9T8COZ | Resolved | 4 | R | \* State/Local Predatory APR Test Fail (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Failed : Charged 10.962% Allowed 7.970% Over by +2.992%. | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 12/21/2022 | 12/21/2022 | 12/21/2022 | 12/20/2022 |
| V5BUINCLL42 | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | V5BUINCLL42-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Per lender guidelines, mortgage payment history should be 0x30x12/0x60x36,; however, Credit report reflects 2 late payments (2\*30\*24) which is breaching the guideline.<br>12/28/2022 - Exception approval form received stating "10.25% (not locked) // 30 year fixed // Aspire - 2nd mortgage // Appraised value: $xx // LA $xx // CLTV xx% // DTI 22.2% // FICO 721 // Reserves 16 months PITIA. 12 month business bank statement with 100% ownership and 50% expense ratio = $43,599.53/month". Hence, exception is waived. |  |  | 1) Current LTV of xx% is xx% below max of 80%<br> 2) Credit score of 721 is 41 points higher than minimum of 680<br> 3) DTI of 22.2% is 27.8% below maximum of 50.0% |  | QC Complete | 12/21/2022 |  |  | 12/21/2022 |
| V5BUINCLL42 | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | V5BUINCLL42-HJ060Q28 | Resolved | 4 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 10.962% Allowed 7.970% Over by +2.992%. | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/21/2022 | 12/21/2022 | 12/21/2022 | 12/20/2022 |
| 2XTJCWUIVNK | xx |  | xx | Florida | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | 2XTJCWUIVNK-JB8D6DUS | Resolved | 3 | R | \* Missing Final 1003_Application (Lvl R) | Provide lender information sheet as it is missing on Final 1003.<br>11/09/2022 - Lender information sheet received. Hence, exception is resolved. | 11/09/2022 - Lender information sheet received. Hence, exception is resolved. | 11/09/2022 - Lender information sheet received. Hence, exception is resolved. |  |  | QC Complete | 11/04/2022 | 11/09/2022 | 11/09/2022 | 11/04/2022 |
| 2XTJCWUIVNK | xx |  | xx | Florida | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 2XTJCWUIVNK-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 11.799% Allowed 9.760% Over by +2.039%. | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 11/04/2022 | 11/04/2022 | 11/04/2022 | 11/04/2022 |
| WX0UP3ZF3C5 | xx |  | xx | California | xx | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | WX0UP3ZF3C5-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Charged : 8.799% allowed: 8.290% Over By: +0.509%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>| Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>|  |  | QC Complete | 01/12/2023 | 01/12/2023 | 01/12/2023 | 01/12/2023 |
| WX0UP3ZF3C5 | xx |  | xx | California | xx | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | WX0UP3ZF3C5-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail: Charged 8.799% Allowed 8.290% Over by +0.509%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 01/12/2023 | 01/12/2023 | 01/12/2023 | 11/16/2022 |
| FIEOWDP50PG | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | FIEOWDP50PG-XN9T8COZ | Resolved | 4 | R | \* State/Local Predatory APR Test Fail (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail: Charged 11.438% Allowed 10.500% Over by +0.938% | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 12/13/2022 | 12/13/2022 | 12/13/2022 | 12/13/2022 |
| FIEOWDP50PG | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | FIEOWDP50PG-HJ060Q28 | Resolved | 4 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br>Higher-Priced Mortgage Loan Test Fail : Charged 11.438% Allowed 10.500% Over by +0.938% | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/13/2022 | 12/13/2022 | 12/13/2022 | 12/13/2022 |
| YHPY3T0L15M | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | YHPY3T0L15M-XN9T8COZ | Resolved | 4 | R | \* State/Local Predatory APR Test Fail (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail : Charged 11.256% Allowed 10.130% Over By +1.126%. | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a) | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a) |  |  | QC Complete | 12/13/2022 | 12/13/2022 | 12/13/2022 | 12/13/2022 |
| YHPY3T0L15M | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Other Disclosures | YHPY3T0L15M-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a mortgage statement to verify the amount of payment for 'xx' #xx on the property address - xx.<br>12/15/2022 - First payment letter of xx #xx received for "xx" property. Hence, exception is resolved. | 12/15/2022 - First payment letter of xx #xx received for "xx" property. Hence, exception is resolved. | 12/15/2022 - First payment letter of xx #xx received for "xx" property. Hence, exception is resolved. |  |  | QC Complete | 12/13/2022 | 12/15/2022 | 12/15/2022 | 12/13/2022 |
| YHPY3T0L15M | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | YHPY3T0L15M-DK9NVDYI | Resolved | 4 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 11.256% Allowed 10.130% Over By +1.126%. | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/13/2022 | 12/13/2022 | 12/13/2022 | 12/13/2022 |
| WFDB4DENMT0 | xx |  | xx | California | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | WFDB4DENMT0-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide mortgage statement to verify the amount of payment for 'xx' #xx on the property address - xx.<br>12/15/2022 - First payment letter of xx #xx received for "xx" property. Hence, exception is resolved. | 12/15/2022 - First payment letter of xx #xx received for "xx" property. Hence, exception is resolved. | 12/15/2022 - First payment letter of xx #xx received for "xx" property. Hence, exception is resolved. |  |  | QC Complete | 12/13/2022 | 12/15/2022 | 12/15/2022 | 12/13/2022 |
| JWR3EZIHSXJ | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | JWR3EZIHSXJ-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in theCalifornia Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL: Charged 11.937% Allowed 10.670% Over by+1.267%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 01/12/2023 | 01/12/2023 | 01/12/2023 | 01/12/2023 |
| JWR3EZIHSXJ | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | JWR3EZIHSXJ-XN9T8COZ | Resolved | 2 | R | \* State/Local Predatory APR Test Fail (Lvl R) | CE test reflects a fail for "CA Covered Loan APR Threshold Test".<br> CA AB 344 §1 [CA FC §4970(b)(1)(A)]) - The annual percentage rate at consummation exceeds by more than 8% points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month of the date creditor received application (formerly application date).<br>However the CA AB 344 §1 [CA FC §4970(b)(1)(A)]) rule cites <br> For a mortgage or deed of trust, the annual percentage rate at consummation of the transaction will exceed by more than eight percentage points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month in which the application for the extension of credit is received by the creditor.<br>Loan file is documented with APR of 11.937% and CE comparison APR is 11.480%. | A disclosure written in 12-point font or larger containing mandated text and entitled CONSUMER CAUTION AND HOME OWNERSHIP COUNSELING NOTICE is provided to the consumer no later than three business days prior to signing the loan documents for the covered loan initial application dated 10/24/2022 and disclosure dated is 10/25/2022, hence condition resolved. | A disclosure written in 12-point font or larger containing mandated text and entitled CONSUMER CAUTION AND HOME OWNERSHIP COUNSELING NOTICE is provided to the consumer no later than three business days prior to signing the loan documents for the covered loan initial application dated 10/24/2022 and disclosure dated is 10/25/2022, hence condition resolved. |  |  | QC Complete | 01/12/2023 | 01/12/2023 | 01/12/2023 | 11/25/2022 |
| JWR3EZIHSXJ | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | JWR3EZIHSXJ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL: Charged 11.937% Allowed 10.670% Over by+1.267%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 01/12/2023 | 01/12/2023 | 01/12/2023 | 11/25/2022 |
| JWR3EZIHSXJ | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Guidelines | JWR3EZIHSXJ-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Provide bank statement for xx# xx for the month of September 2021 to support the income.<br>11/29/2022 - Not resolved - Provided bank statement is for September 2022 but we will required xx# xx for the month of September 2021.<br>11/30/2022 - Income re-calculated from Sept 2022 statement. Hence, exception is resolved. | 11/30/2022 - Income re-calculated from Sept 2022 statement. Hence, exception is resolved. | 11/30/2022 - Income re-calculated from Sept 2022 statement. Hence, exception is resolved. |  |  | QC Complete | 01/12/2023 | 01/12/2023 | 01/12/2023 | 11/25/2022 |
| RXX0TVCUPH1 | xx |  | xx | Florida | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | RXX0TVCUPH1-DK9NVDYI | Resolved | 4 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail: Charged 10.314%Allowed 9.530% Over by +0.784% | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| FSUZE3GDLKE | xx |  | xx | California | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | FSUZE3GDLKE-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide mortgage statement for the primary residence (xx).<br>12/07/2022 - We have CD for the purchase of their primary in the loan file. Mortgage statement is not there as loan was closed on xx which means first payment will not be there until xx. Hence, exception is resolved. | 12/07/2022 - We have CD for the purchase of their primary in the loan file. Mortgage statement is not there as loan was closed on xx which means first payment will not be there until xx. Hence, exception is resolved. | 12/07/2022 - We have CD for the purchase of their primary in the loan file. Mortgage statement is not there as loan was closed on xx which means first payment will not be there until xx. Hence, exception is resolved. |  |  | QC Complete | 12/06/2022 | 12/07/2022 | 12/07/2022 | 12/05/2022 |
| RKY2MATXX1U | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | RKY2MATXX1U-XN9T8COZ | Resolved | 4 | R | \* State/Local Predatory APR Test Fail (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL : Charged 11.282% Allowed 10.670% Over By +0.612% | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (CA AB 260, California Financial Code Division 1.9<br> 4995(a)) | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (CA AB 260, California Financial Code Division 1.9<br> 4995(a)) |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| RKY2MATXX1U | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | RKY2MATXX1U-DK9NVDYI | Resolved | 4 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL : Charged 11.282% Allowed 10.670% Over By +0.612% | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/05/2022 | 12/05/2022 | 12/05/2022 | 12/05/2022 |
| I4N1LWQVDD5 | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | I4N1LWQVDD5-DK9NVDYI | Resolved | 4 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail: Charged 11.162% Allowed 10.670% Over by +0.492% | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/08/2022 | 12/08/2022 | 12/08/2022 | 12/08/2022 |
| I4N1LWQVDD5 | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | I4N1LWQVDD5-754SF1P1 | Resolved | 4 | R | \* State/Local Predatory Points and Fees Test Fail (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail: Charged 11.162% Allowed 10.670% Over by +0.492% | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a).<br>| HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a).<br>|  |  | QC Complete | 12/08/2022 | 12/08/2022 | 12/08/2022 | 12/08/2022 |
| IYAWIGHVWQY | xx |  | xx | California | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Application | IYAWIGHVWQY-Z5OC4DZ8 | Resolved | 3 | R | \* Final 1003 does not has LO sign (Lvl R) | Provide the LO signed copy of initial and final 1003 as it is missing in the loan file.<br>12/28/2022 - LO signature on Initial 1003 received. Hence, exception is resolved. | 12/28/2022 - LO signature on Initial 1003 received. Hence, exception is resolved. | 12/28/2022 - LO signature on Initial 1003 received. Hence, exception is resolved. |  |  | QC Complete | 12/20/2022 | 12/28/2022 | 12/28/2022 | 12/20/2022 |
| 00Y0ZOOSM0P | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 00Y0ZOOSM0P-XN9T8COZ | Resolved | 4 | R | \* State/Local Predatory APR Test Fail (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail : Charged 11.077% Allowed 10.670% Over By +0.407%. | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 01/13/2023 | 01/13/2023 | 01/13/2023 | 01/13/2023 |
| 00Y0ZOOSM0P | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 00Y0ZOOSM0P-HJ060Q28 | Resolved | 4 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 11.077% Allowed 10.670% Over By +0.407%. | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d) | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d) |  |  | QC Complete | 01/13/2023 | 01/13/2023 | 01/13/2023 | 01/13/2023 |
| PMEHDWWRIO4 | xx |  | xx | Florida | xx | Cash Out | Non-QM/Compliant | 3 | 1 | AUS | AUS | PMEHDWWRIO4-LL4CF7C8 | Resolved | 3 | R | \* Appraisal Value (Lvl R) | Provide CDA or simliar document as provided AVM reflects confidence score as 0.11 which is greater than 0.10. CDA will be ordered to validate the appraisal value.<br>01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 12/13/2021 |
| Y1WSTQQKGQP | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | Y1WSTQQKGQP-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Confidence score from Collateral Analytics AVM dated xx shows 0.11 is greater than 0.10 Provide CDA or similar document.Additional valuation product not found in file, additional product will be ordered to validate appraised value."<br>01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 12/07/2021 |
| RXRFDDYM22U | xx |  | xx | Oregon | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Legal Docs | Doc Issue | RXRFDDYM22U-3FPSHHKF | Resolved | 3 | R | \* Missing required 1-4 family rider (Lvl R) | Missing 1-4 family rider document.<br>01/04/2022 - Loan documents has been pulled through GoDocs & so 1-4 family rider is not required. | 01/04/2022 - Loan documents has been pulled through GoDocs & so 1-4 family rider is not required. | 01/04/2022 - Loan documents has been pulled through GoDocs & so 1-4 family rider is not required. |  |  | QC Complete | 12/09/2021 | 01/04/2022 | 01/04/2022 | 12/07/2021 |
| RXRFDDYM22U | xx |  | xx | Oregon | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | RXRFDDYM22U-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Secondary valuation is required as CU risk score is missing. Additional valuation product not found in file, additional product will be ordered to validate appraised value.<br>12/10/2021- AVM document ordered & received, however confidence score greater than 0.10, CDA requested,<br>01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | QC Complete | 12/09/2021 | 01/04/2022 | 01/04/2022 | 12/09/2021 |
| JD3BZFS2K4V | xx |  | xx | Nevada | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Legal Docs | Doc Issue | JD3BZFS2K4V-DW5VNZ46 | Resolved | 3 | R | \* Condo / PUD rider Missing (Lvl R) | PUD Rider is missing.<br>01/10/2022 - Received PUD rider & condition resolved. | 01/10/2022 - Received PUD rider & condition resolved. | 01/10/2022 - Received PUD rider & condition resolved. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 12/09/2021 |
| OGDAFRXK1XS | xx |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Legal Docs | Doc Issue | OGDAFRXK1XS-3FPSHHKF | Resolved | 3 | R | \* Missing required 1-4 family rider (Lvl R) | 1-4 Family rider is missing in file.<br>12/21/2021 - Received Condo rider & condition resolved. | 12/21/2021 - Received Condo rider & condition resolved. | 12/21/2021 - Received Condo rider & condition resolved. |  |  | QC Complete | 12/07/2021 | 12/21/2021 | 12/21/2021 | 12/09/2021 |
| OGDAFRXK1XS | xx |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Legal Docs | Doc Issue | OGDAFRXK1XS-DW5VNZ46 | Resolved | 3 | R | \* Condo / PUD rider Missing (Lvl R) | Property type is condotel as per appraisal but condo Rider is missing in loan file.<br> However , In Mortgage document condo rider is unckecked and PUD rider is checked .<br> Need updated Morgage and Condo rider<br>12/21/2021 - Received updated mortgage & condo rider. Condition resolved. | 12/21/2021 - Received updated mortgage & condo rider. Condition resolved. | 12/21/2021 - Received updated mortgage & condo rider. Condition resolved. |  |  | QC Complete | 12/07/2021 | 12/21/2021 | 12/21/2021 | 12/09/2021 |
| OGDAFRXK1XS | xx |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Data Edit | Data Edit | OGDAFRXK1XS-0F9OAA8Z | Resolved | 3 | R | \* 1-4 Family Mortgage Rider n/a but Occ/Prop Type suggest it is Required (Lvl R) | 12/21/2021 - Received 1-4 Family rider & condition resolved. | 12/21/2021 - Received 1-4 Family rider & condition resolved. | 12/21/2021 - Received 1-4 Family rider & condition resolved. |  |  | QC Complete | 12/07/2021 | 12/21/2021 | 12/21/2021 | 12/06/2021 |
| OGDAFRXK1XS | xx |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | OGDAFRXK1XS-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Provide secondary valuation document as CU Risk score is missing.<br>01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | QC Complete | 12/07/2021 | 01/04/2022 | 01/04/2022 | 12/09/2021 |
| OGDAFRXK1XS | xx |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Legal Docs | Doc Issue | OGDAFRXK1XS-2XRZ4V9U | Resolved | 3 | R | \* Note is missing or unexecuted (Lvl R) | Provide Note Document as it is missing in Package.<br>12/21/2021 - Received Note & condition resolved. | 12/21/2021 - Received Note & condition resolved. | 12/21/2021 - Received Note & condition resolved. |  |  | QC Complete | 12/07/2021 | 12/21/2021 | 12/21/2021 | 12/05/2021 |
| 2UNWKULWPIM | xx |  | xx | Oklahoma | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 2UNWKULWPIM-AEPG67BW | Resolved | 3 | R | \* Missing credit report (Lvl R) | Credit report is missing on this file<br>01/10/2022 - Received credit report & condition resolved. | 01/10/2022 - Received credit report & condition resolved. | 01/10/2022 - Received credit report & condition resolved. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 12/10/2021 |
| IJNHHKSX3LE | xx |  | xx | Alabama | xx | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Doc Issue | IJNHHKSX3LE-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | CU Risk Scores are Missing hence need additional property valuation.<br>01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | QC Complete | 12/03/2021 | 01/04/2022 | 01/04/2022 | 12/03/2021 |
| TEUVS24WSJY | xx |  | xx | Washington | xx | Purchase | Not Covered/Exempt | 3 | 1 | AUS | AUS | TEUVS24WSJY-LL4CF7C8 | Resolved | 3 | R | \* Appraisal Value (Lvl R) | Secondary valuation required as CU score in the subject loan is missing.Additional valuation product not found in file, additional product will be ordered to validate appraised value.<br>01/04/2022 - Received CDA as secondary valuation & condition resolved. | 01/04/2022 - Received CDA as secondary valuation & condition resolved. | 01/04/2022 - Received CDA as secondary valuation & condition resolved. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 12/15/2021 |
| 0QSXEU2Q23Y | xx |  | xx | Maryland | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 0QSXEU2Q23Y-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide CDA or similar document as provided AVM reflects confidence score as 0.21 which is greater than 0.10.<br>02/25/2022 - Received CDA as additional valuation & condition resolved. | 02/25/2022 - Received CDA as additional valuation & condition resolved. | 02/25/2022 - Received CDA as additional valuation & condition resolved. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 12/30/2021 |
| 0TJRAVE5CPI | xx |  | xx | Arizona | xx | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | 0TJRAVE5CPI-28GAQH2C | Waived | 3 | W | \* Income documentation does not meet guidelines (Lvl W) | Bank statements from Members xx# xx for July, 2021 & February, 2020 for the business account "xx" of the borrower is missing in file. <br> However 22 months bank statements available in file are used to verify borrower's business income.<br>02/24/2022 - Not resolved - Received LOE for February 2020 bank statement as there is no transaction on this month & July 2021 month statement for different account (# xx).<br>3/18/2022 - Not Resolved - Received LOE for February 2020 bank statement as there is no transaction on this month but still not received the July 2021 month statement for the account - #xx<br>3/22/2022 - Not Resolved - Received July 2021 month statement for different account (# xx) , in the file we need July 2021 month statement for the account - #xx. Account - #xx is used for bank statement income calculation<br>3/23/2022 - Not Resolved - Duplicate - Received July 2021 month statement for different account (# xx) , in the file we need July 2021 month statement for the account - #xx. Account - #xx is used for bank statement income calculation<br>3/23/2022 - Received Exception approval form for 23 mos bank statement instead of 24 mos bank statements |  |  | xx% LTV , High 700 scores, Good Credit, Primary Residence, Good Stability, Has reserves, all credit trade lines paid on time. |  | QC Complete | 11/17/2021 |  |  | 11/16/2021 |
| IOGMXSTEI4Y | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | IOGMXSTEI4Y-JB8D6DUS | Resolved | 3 | R | \* Missing Final 1003_Application (Lvl R) | Final 1003 reflects monthly first mortgage (P&I) $3,935.52, however as per Note P&I is $4,113.12. Provide revised 1003 with updated mortgage payments.<br>11/11/2021 - Received revised final 1003 with mortgage payments & condition resolved. | 11/11/2021 - Received revised final 1003 with mortgage payments & condition resolved. | 11/11/2021 - Received revised final 1003 with mortgage payments & condition resolved. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 10/26/2021 |
| IOGMXSTEI4Y | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | IOGMXSTEI4Y-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide copies of current lease agreement for following property being used for rental income. : xx<br>11/09/2021 - Received lease agreement for the rental property xx & condition has been resolved. | 11/09/2021 - Received lease agreement for the rental property xx & condition has been resolved. | 11/09/2021 - Received lease agreement for the rental property xx & condition has been resolved. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 10/26/2021 |
| HW45YPZBUA5 | xx |  | xx | Texas | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Underwriting | HW45YPZBUA5-1KF9YJFQ | Resolved | 3 | R | \* The final 1008 is missing (Lvl R) | Loan Approval is missing in file.<br>4/26/2022 - Received loan approval and 1008 and condition is resolved | 4/26/2022 - Received loan approval and 1008 and condition is resolved | 4/26/2022 - Received loan approval and 1008 and condition is resolved |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 01/07/2022 |
| HW45YPZBUA5 | xx |  | xx | Texas | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | HW45YPZBUA5-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 6.119% Allowed: 4.410% Over by: +1.709%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 09/27/2022 |
| 45G0AF1MTR3 | xx |  | xx | California | xx | Refinance | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | 45G0AF1MTR3-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Fannie Mae CU score and Freddie Mac both are missing. Provide additional valuation report.<br>11/23/2021:Desk review report dated xx has been received.Condition resolved. | 11/23/2021:Desk review report dated xx has been received.Condition resolved. | 11/23/2021:Desk review report dated xx has been received.Condition resolved. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 11/12/2021 |
| 45G0AF1MTR3 | xx |  | xx | California | xx | Refinance | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 45G0AF1MTR3-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the Higher-Priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z . While the Higher-Priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 4.168% Allowed: 3.900% Over by: +0.268%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 03/06/2023 |
| 45G0AF1MTR3 | xx |  | xx | California | xx | Refinance | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 45G0AF1MTR3-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged : 4.168% allowed: 3.900% Over by +0.268%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 03/06/2023 |
| 0M3TFEWPFZ0 | xx |  | xx | California | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 0M3TFEWPFZ0-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Borrower is self employed. Unable to calculate the income as income documents are missing in file.<br>11/02/2021 - Received self employment P&L statement, LOE & Business narrative from tax preparer & condition has been resolved. | 11/02/2021 - Received self employment P&L statement, LOE & Business narrative from tax preparer & condition has been resolved. | 11/02/2021 - Received self employment P&L statement, LOE & Business narrative from tax preparer & condition has been resolved. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 10/20/2021 |
| ATM4OBNO4G2 | xx |  | xx | Georgia | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | ATM4OBNO4G2-G6BL1RRN | Resolved | 3 | R | \* The COC is missing (Lvl R) | 1) "TRID Violation due to a fee increase on CD dated 11/18/2021. LE dated 09/16/2021 reflects a Vesta Report Fee at $0.00, however, Revised CD dated 11/18/2021 reflects the Vesta Report Fee at $35.00. This is a fee increase of $35.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees Required COC or Cost to cure."<br>2) "TRID Reimbursement Violation due to a fee increase of $8,190.00 above the 10% tolerance allowed for Shoppable fees. Initial LE dated 09/16/2021 reflects Shoppable Fees totaling $8,289.00, however, Revised CD dated 11/18/2021 reflects Shoppable Fees totaling $16,479.00. This is a fee increase of $8,190.00 above the allowable 10% tolerance for Shoppable Fees Required COC or Cost to cure."<br>Resolved 3/17/2022 : Received PCCD dated 3/16/2022 Updated fees, hence conditions resolved on 0% tolerance and 10% Tolerance. | Resolved 3/17/2022 : Received PCCD dated 3/16/2022 Updated fees, hence conditions resolved on 0% tolerance and 10% Tolerance. | Resolved 3/17/2022 : Received PCCD dated 3/16/2022 Updated fees, hence conditions resolved on 0% tolerance and 10% Tolerance. |  |  | QC Complete | 12/02/2021 | 03/17/2022 | 03/17/2022 | 12/02/2021 |
| ATM4OBNO4G2 | xx |  | xx | Georgia | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | ATM4OBNO4G2-0O1J05XI | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | TRID Violation due to a Loan Origination fee added on PCCD dated 3/16/2022. LE dated 11/12/2021 Origination fee not there, however PCCD dated 3/16/2022 reflects the Loan Origination Fee at $3,383.96. This is a fee increase of $3,383.96 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees. <br>Need Valid COC for Loan Origination fee added.<br>Resolved 3/18/2022 : Loan amount and Interest rate is not changed from Final CD to PCCD, hence issue resolved and not required for COC. | Resolved 3/18/2022 : Loan amount and Interest rate is not changed from Final CD to PCCD, hence issue resolved and not required for COC. | Resolved 3/18/2022 : Loan amount and Interest rate is not changed from Final CD to PCCD, hence issue resolved and not required for COC. |  |  | QC Complete | 12/02/2021 | 03/18/2022 | 03/18/2022 | 03/17/2022 |
| DUJINWJLJLT | xx |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Legal Docs | Hazard Insurance | DUJINWJLJLT-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Flood Insurance policy is missing in file. (The subject property is in flood zone AE)<br>11/24/2021 - Received Flood insurance policy & condition resolved. | 11/24/2021 - Received Flood insurance policy & condition resolved. | 11/24/2021 - Received Flood insurance policy & condition resolved. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 11/17/2021 |
| MWEGH5GZLXS | xx |  | xx | California | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | MWEGH5GZLXS-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged: 5.108% Allowed: 4.540% Over by: +0.568%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 03/06/2023 |
| MWEGH5GZLXS | xx |  | xx | California | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | MWEGH5GZLXS-U1CA63D2 | Resolved | 3 | R | \* Application Missing (Lvl R) | Provide a missing copy of Final 1003 for the borrower " xx".<br>11/23/2021: Copy of final 1003 application provided and resolves this condition | 11/23/2021: Copy of final 1003 application provided and resolves this condition. | 11/23/2021: Copy of final 1003 application provided and resolves this condition. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 11/10/2021 |
| MWEGH5GZLXS | xx |  | xx | California | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | MWEGH5GZLXS-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 5.108% Allowed: 4.540% Over by: +0.568%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 03/06/2023 |
| VPY5Y5AUQRK | xx |  | xx | Ohio | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | VPY5Y5AUQRK-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | The Appraisal report reflects the number of units as 4 where 1 is vacant, in provided lease agreements, the agreement for the address xx, Columbus has been expired at closing, Provide lease addendum for the same<br>5/19/2022 - Received confirmation from the client that using $2480 per the appraisal for DSCR calculation. : $2480 rent/$2203.32=DSCR coverage ratio 1.13 | 5/19/2022 - Received confirmation from the client that using $2480 per the appraisal for DSCR calculation. : $2480 rent/$2203.32=DSCR coverage ratio 1.13 | 5/19/2022 - Received confirmation from the client that using $2480 per the appraisal for DSCR calculation. : $2480 rent/$2203.32=DSCR coverage ratio 1.13 |  |  | QC Complete | 04/26/2022 | 09/29/2022 | 09/29/2022 | 04/26/2022 |
| E5EFI2DDRNI | xx |  | xx | Ohio | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | E5EFI2DDRNI-ITW88JKH | Resolved | 3 | R | \* Notice of Servicing Transfer missing or unexecuted (Lvl R) | Notice of servicing transfer missing in the package.<br>Resolved 5/17/2022 : Received LOE stating The Notice of Servicing Transfer Letter is not required on the DSCR Loan Program, hence condition is cleared. | Resolved 5/17/2022 : Received LOE stating The Notice of Servicing Transfer Letter is not required on the DSCR Loan Program, hence condition is cleared. | Resolved 5/17/2022 : Received LOE stating The Notice of Servicing Transfer Letter is not required on the DSCR Loan Program, hence condition is cleared. |  |  | QC Complete | 04/26/2022 | 05/17/2022 | 05/17/2022 | 04/26/2022 |
| QO2JHIIOB4H | xx |  | xx | California | xx | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | QO2JHIIOB4H-TS7KKCIE | Resolved | 3 | R | \* Cash Out Amount Exceeds Guidelines (Lvl R) | Transaction is no cash out & borrower is receiving a cash back in the amount of $xx As per guidelines "Rate/Term transactions limit the borrowers to receive cash back in an amount that is the lesser of 2% or the mortgage balance or $5,000". Borrower is receiving cash back of $ xx which exceeds the cash back limit in limited cash out transaction. Transaction to be considered as cash out & Final 1003 needs to be corrected accordingly.<br>05/09 - Received HUD - Settlement statement confirming the amount of cash back and therefore cleared this exception. | 05/09 - Received HUD - Settlement statement confirming the amount of cash back and therefore cleared this exception. | 05/09 - Received HUD - Settlement statement confirming the amount of cash back and therefore cleared this exception. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 01/18/2022 |
| CPDRRGVOSXY | xx |  | xx | California | xx | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | CPDRRGVOSXY-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Charged 5.797% Allowed 5.600% Over by +0.197%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 03/06/2023 |
| CPDRRGVOSXY | xx |  | xx | California | xx | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | CPDRRGVOSXY-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL : Charged 5.797% Allowed 5.600% Over by +0.197%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 03/06/2023 |
| EZNITNABDMU | xx |  | xx | California | xx | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | EZNITNABDMU-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 Higher-Priced Mortgage Loan Test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged:6.159% Allowed: 5.640% Over by: +0.519%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 03/06/2023 |
| EZNITNABDMU | xx |  | xx | California | xx | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | EZNITNABDMU-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Charged:6.159% Allowed: 5.640% Over by: +0.519%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>| Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>|  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 03/06/2023 |
| DDRB23GATD1 | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | DDRB23GATD1-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL : Charged : 7.076% Allowed : 4.700% Over by: +2.376%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 03/06/2023 |
| DDRB23GATD1 | xx |  | xx | California | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | DDRB23GATD1-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Charged : 7.076% Allowed : 4.700% Over by: +2.376%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 03/06/2023 |
| LKFUPSZGEFV | xx |  | xx | Florida | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | LKFUPSZGEFV-RO3KRP0K | Resolved | 3 | R | \* TRID Violations (Lvl R) | This loan failed the TRID Post-Consummation Event Validation Test. This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan<br>DOT and final CD borrower signed on xx we received PCCD issue date also 12/30/2021 due to post consummation validation test failed. | Resolved: DOT and final CD borrower signed on xx we received PCCD issue date also 12/30/2021 due to post consummation validation test failed. | Resolved: DOT and final CD borrower signed on xx we received PCCD issue date also 12/30/2021 due to post consummation validation test failed. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 03/06/2023 |
| LKFUPSZGEFV | xx |  | xx | Florida | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | LKFUPSZGEFV-KCK2O87U | Resolved | 3 | R | \* 0% Tolerance Fees test fail (Lvl R) | TRID violation due to a Transfer tax fee in initial Loan estimate XX/XX/XXXX is $3929 and in final CD XX/XX/XXXX transfer tax is $4042.50 this is a fee increased of $113.50 which exceeds 0% tolerance. Valid COC or cost of cure is required.<br>Resolved 5/4/2022 : Received PCCD with cure amount of $113.90 to resolve transfer tax, hence conditions is cleared. | Resolved 5/4/2022 : Received PCCD with cure amount of $113.90 to resolve transfer tax, hence conditions is cleared. | Resolved 5/4/2022 : Received PCCD with cure amount of $113.90 to resolve transfer tax, hence conditions is cleared. |  |  | QC Complete | 03/06/2023 | 03/06/2023 | 03/06/2023 | 03/06/2023 |
| X3ISCOAUUMC | xx |  | xx | California | xx | Purchase | Not Covered/Exempt | 3 | 1 | Legal Docs | Doc Issue | X3ISCOAUUMC-DFWG7HN5 | Resolved | 3 | R | \* Missing proof of hazard insurance (Lvl R) | Missing proof of hazard insurance policy for the subject property.<br>4/29/2022 - Received hazard insurance policy for the subject property and condition is resolved | 4/29/2022 - Received hazard insurance policy for the subject property and condition is resolved | 4/29/2022 - Received hazard insurance policy for the subject property and condition is resolved |  |  | QC Complete | 01/13/2022 | 04/29/2022 | 04/29/2022 | 01/13/2022 |
| X3ISCOAUUMC | xx |  | xx | California | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | X3ISCOAUUMC-U1CA63D2 | Resolved | 3 | R | \* Application Missing (Lvl R) | Final 1003 application missing from the loan file.<br>4/29/2022 - Received final 1003 and condition is resolved | 4/29/2022 - Received final 1003 and condition is resolved | 4/29/2022 - Received final 1003 and condition is resolved |  |  | QC Complete | 01/13/2022 | 04/29/2022 | 04/29/2022 | 01/13/2022 |
| KNHCHAX4DUR | xx |  | xx | Texas | xx | Purchase | Non-QM/Compliant | 3 | 1 | Legal Docs | Doc Issue | KNHCHAX4DUR-RMHHY40D | Resolved | 3 | R | \* Note data is missing or inaccurate (Lvl R) | 2nd and 3rd page of Note document is missing<br>5/2/2022 - Received complete note document and condition is resolved | 5/2/2022 - Received complete note document and condition is resolved | 5/2/2022 - Received complete note document and condition is resolved |  |  | QC Complete | 02/03/2022 | 05/02/2022 | 05/02/2022 | 02/03/2022 |
| VEKR1P3LKSG | xx |  | xx | California | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | VEKR1P3LKSG-3L2978EM | Resolved | 3 | R | \* Assets do not meet guidelines (Lvl R) | Require a copy of Settlement Statement to support Net Sales proceeds used as assets in final 1003 in the amount of $xx . Since funds required to close is $199,785.30 as per Closing instructions dated 01/25/2022..<br>5/05/2022 - Received settlement statement with net proceeds of $xx and assets requirement are met. Hence condition is resolved. | 5/05/2022 - Received settlement statement with net proceeds of $xx and assets requirement are met. Hence condition is resolved. | 5/05/2022 - Received settlement statement with net proceeds of $xx and assets requirement are met. Hence condition is resolved. |  |  | QC Complete | 02/08/2022 | 05/05/2022 | 05/05/2022 | 02/08/2022 |

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## Exhibit 99.27

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.27**

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| **Dummy ID** | **Loan Number** | **Seller Loan Number** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| I3Z50G1G2DF | xx |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 650 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 09/29/2022 |
| MCOQDLGSZII | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 739 | 1.91 | xx | 16 | $41993.30 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 21.152% |  | Alternative | QC Complete | 11/07/2022 |
| GWZH2KDE5QJ | xx |  | xx | California | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL: Charged 11.304% Allowed 10.660% Over By +0.644%<br>HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) State/Local Predatory APR Test Fail - EV R<br> COMMENT: CE test reflects a fail for "CA Covered Loan APR Threshold Test<br> "CA AB 344 §1 [CA FC §4970(b)(1)(A)]) - The annual percentage rate at consummation exceeds by more than 8% points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month of the date creditor received application (formerly application date)"<br>However the CA AB 344 §1 [CA FC §4970(b)(1)(A)]) rule cites <br> "For a mortgage or deed of trust, the annual percentage rate at consummation of the transaction will exceed by more than eight percentage points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month in which the application for the extension of credit is received by the creditor"<br>Loan file is documented with APR of 11.304% and CE comparison APR is 11.100% |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 746 | 18.42 | xx | 15 | $9640.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 47.637% |  | Alternative | QC Complete | 11/10/2022 |
| VILZB3ROJNH | xx |  | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br>Higher-Priced Mortgage Loan Test Fail : Charged 11.141% Allowed 10.290% Over by +0.851%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) State/Local Predatory APR Test Fail - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged 11.141% Allowed 10.290% Over By +0.851%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a))<br>\*\*\* (CURED) State High Cost or Predatory Lending Law Failure - EV R<br> COMMENT: CE test reflects a fail for "CA Covered Loan APR Threshold Test". CA AB 344 §1 [CA FC §4970(b)(1)(A)]) - The annual percentage rate at consummation exceeds by more than 8% points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month of the date creditor received application (formerly application date). However the CA AB 344 §1 [CA FC §4970(b)(1)(A)]) rule cites For a mortgage or deed of trust, the annual percentage rate at consummation of the transaction will exceed by more than eight percentage points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month in which the application for the extension of credit is received by the creditor.<br>Loan file is documented with APR of 11.141% and Comparison APR is 11.100% |  |  | PUD | xx | xx | xx | Primary | Cash Out | 694 | 2 | xx | 20 | $57468.09 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 32.302% |  | Alternative | QC Complete | 03/06/2023 |
| 4Q2WR20LDRO | xx |  | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br>Higher-Priced Mortgage Loan Test Fail : Charged 11.162% Allowed 10.530% Over by +0.632%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) State/Local Predatory APR Test Fail - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail : Charged 11.162% Allowed 10.530% Over By +0.632%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a).<br>\*\*\* (CURED) State High Cost or Predatory Lending Law Failure - EV R<br> COMMENT: CE test reflects a fail for "CA Covered Loan APR Threshold Test".<br> CA AB 344 §1 [CA FC §4970(b)(1)(A)]) - The annual percentage rate at consummation exceeds by more than 8% points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month of the date creditor received application (formerly application date).<br>However the CA AB 344 §1 [CA FC §4970(b)(1)(A)]) rule cites <br> For a mortgage or deed of trust, the annual percentage rate at consummation of the transaction will exceed by more than eight percentage points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month in which the application for the extension of credit is received by the creditor.<br>Loan file is documented with APR of 12.602% and Comparison APR is 11.990% |  |  | PUD | xx | xx | xx | Primary | Cash Out | 778 | 6 | xx | 12 | $29567.89 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 41.090% |  | Alternative | QC Complete | 03/06/2023 |
| TOBNVXDDDSZ | xx |  | xx | California | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Charged 11.050% Allowed 10.660% Over by+0.390%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail: Charged 11.050% Allowed 10.660% Over by+0.390%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 720 | 7 | xx | 5 | $15083.82 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 49.213% |  | Full Documentation | QC Complete | 01/12/2023 |
| V5BUINCLL42 | xx |  | xx | California | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 10.962% Allowed 7.970% Over by +2.992%.<br>\*\*\* (CURED) State/Local Predatory APR Test Fail - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Failed : Charged 10.962% Allowed 7.970% Over by +2.992%. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Per lender guidelines, mortgage payment history should be 0x30x12/0x60x36,; however, Credit report reflects 2 late payments (2\*30\*24) which is breaching the guideline.<br>12/28/2022 - Exception approval form received stating "10.25% (not locked) // 30 year fixed // Aspire - 2nd mortgage // Appraised value: $xx // LA $xx // CLTV xx% // DTI 22.2% // FICO 721 // Reserves 16 months PITIA. 12 month business bank statement with 100% ownership and 50% expense ratio = $43,599.53/month". Hence, exception is waived. | 1) Current LTV of xx% is 18.3% below max of 80%<br> 2) Credit score of 721 is 41 points higher than minimum of 680<br> 3) DTI of 22.2% is 27.8% below maximum of 50.0% | Single Family | xx | xx | xx | Primary | Cash Out | 716 | 15 | xx | 15 | $43599.66 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 29.839% |  | Alternative | QC Complete | 12/21/2022 |
| 2XTJCWUIVNK | xx |  | xx | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 11.799% Allowed 9.760% Over by +2.039%.<br>\*\*\* (CURED) Missing Final 1003_Application - EV R<br> COMMENT: Provide lender information sheet as it is missing on Final 1003.<br>11/09/2022 - Lender information sheet received. Hence, exception is resolved. |  |  | PUD | xx | xx | xx | Primary | Cash Out | 682 | 1.25 | xx | 10 | $24154.24 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 30.744% |  | Alternative | QC Complete | 11/04/2022 |
| WX0UP3ZF3C5 | xx |  | xx | California | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Charged : 8.799% allowed: 8.290% Over By: +0.509%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail: Charged 8.799% Allowed 8.290% Over by +0.509%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | Single Family | xx | xx | xx | Primary | Purchase | 727 |  | xx | 13 | $26763.51 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.921% | No | Alternative | QC Complete | 01/12/2023 |
| FIEOWDP50PG | xx |  | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br>Higher-Priced Mortgage Loan Test Fail : Charged 11.438% Allowed 10.500% Over by +0.938%<br>\*\*\* (CURED) State/Local Predatory APR Test Fail - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail: Charged 11.438% Allowed 10.500% Over by +0.938% |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 725 | 10 | xx | 10 | $64093.19 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 26.302% |  | Alternative | QC Complete | 12/13/2022 |
| YHPY3T0L15M | xx |  | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 11.256% Allowed 10.130% Over By +1.126%.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide a mortgage statement to verify the amount of payment for 'XXXX' #XXXX on the property address - XXXX.<br>12/15/2022 - First payment letter of FundLoans #1329 received for "XXXX" property. Hence, exception is resolved.<br>\*\*\* (CURED) State/Local Predatory APR Test Fail - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail : Charged 11.256% Allowed 10.130% Over By +1.126%. |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 732 | 2.5 | xx | 17 | $197703.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 21.867% |  | Alternative | QC Complete | 12/13/2022 |
| WFDB4DENMT0 | xx |  | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide mortgage statement to verify the amount of payment for 'xx' #xx on the property address - xx.<br>12/15/2022 - First payment letter of xx #xx received for "xx" property. Hence, exception is resolved. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 732 |  | xx | 17 | $197703.40 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 21.867% |  | Alternative | QC Complete | 12/13/2022 |
| JWR3EZIHSXJ | xx |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL: Charged 11.937% Allowed 10.670% Over by+1.267%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in theCalifornia Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL: Charged 11.937% Allowed 10.670% Over by+1.267%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a).<br>\*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Provide bank statement for xx# xx for the month of September 2021 to support the income.<br>11/29/2022 - Not resolved - Provided bank statement is for September 2022 but we will required xx# xx for the month of September 2021.<br>11/30/2022 - Income re-calculated from Sept 2022 statement. Hence, exception is resolved.<br>\*\*\* (CURED) State/Local Predatory APR Test Fail - EV R<br> COMMENT: CE test reflects a fail for "CA Covered Loan APR Threshold Test".<br> CA AB 344 §1 [CA FC §4970(b)(1)(A)]) - The annual percentage rate at consummation exceeds by more than 8% points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month of the date creditor received application (formerly application date).<br>However the CA AB 344 §1 [CA FC §4970(b)(1)(A)]) rule cites <br> For a mortgage or deed of trust, the annual percentage rate at consummation of the transaction will exceed by more than eight percentage points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month in which the application for the extension of credit is received by the creditor.<br>Loan file is documented with APR of 11.937% and CE comparison APR is 11.480%. |  |  | PUD | xx | xx | xx | Primary | Cash Out | 714 | 1 | xx | 20 | $33465.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 32.998% |  | Alternative | QC Complete | 01/12/2023 |
| RXX0TVCUPH1 | xx |  | xx | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail: Charged 10.314%Allowed 9.530% Over by +0.784% |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 661 | 0.58 | xx | 4 | $604582.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 2.791% |  | Alternative | QC Complete | 12/05/2022 |
| FSUZE3GDLKE | xx |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide mortgage statement for the primary residence (xx).<br>12/07/2022 - We have CD for the purchase of their primary in the loan file. Mortgage statement is not there as loan was closed on 11/9/22 which means first payment will not be there until 01/01/2023. Hence, exception is resolved. |  |  | Single Family | xx | xx | xx | Secondary | Purchase | 750 |  | xx | 12 | $151185.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.849% | No | Full Documentation | QC Complete | 12/06/2022 |
| FLCVYXKNGGB | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Secondary | Cash Out | 687 |  | xx | 13 | $245922.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 10.172% |  | Alternative | QC Complete | 12/16/2022 |
| RKY2MATXX1U | xx |  | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL : Charged 11.282% Allowed 10.670% Over By +0.612%<br>\*\*\* (CURED) State/Local Predatory APR Test Fail - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL : Charged 11.282% Allowed 10.670% Over By +0.612% |  |  | PUD | xx | xx | xx | Primary | Cash Out | 735 | 10 | xx | 20 | $23672.72 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 47.479% |  | Alternative | QC Complete | 12/05/2022 |
| I4N1LWQVDD5 | xx |  | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail: Charged 11.162% Allowed 10.670% Over by +0.492%<br>\*\*\* (CURED) State/Local Predatory Points and Fees Test Fail - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail: Charged 11.162% Allowed 10.670% Over by +0.492% |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 744 | 16.33 | xx | 29 | $22503.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 32.833% |  | Alternative | QC Complete | 12/08/2022 |
| IYAWIGHVWQY | xx |  | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final 1003 does not has LO sign - EV R<br> COMMENT: Provide the LO signed copy of initial and final 1003 as it is missing in the loan file.<br>12/28/2022 - LO signature on Initial 1003 received. Hence, exception is resolved. |  |  | 4 Family | xx | xx | xx | Investor | Cash Out | 793 |  | xx | 11 | $10000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 32.463% |  | Full Documentation | QC Complete | 12/20/2022 |
| 00Y0ZOOSM0P | xx |  | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged 11.077% Allowed 10.670% Over By +0.407%.<br>\*\*\* (CURED) State/Local Predatory APR Test Fail - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test Fail : Charged 11.077% Allowed 10.670% Over By +0.407%. |  |  | PUD | xx | xx | xx | Primary | Cash Out | 694 | 23 | xx | 31 | $17997.14 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 49.856% |  | Alternative | QC Complete | 01/13/2023 |
| PMEHDWWRIO4 | xx |  | xx | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal Value - EV R<br> COMMENT: Provide CDA or simliar document as provided AVM reflects confidence score as 0.11 which is greater than 0.10. CDA will be ordered to validate the appraisal value.<br>01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | PUD | xx | xx | xx | Primary | Cash Out | 707 | 6.58 | xx | 18 | $10871.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 37.658% |  | Alternative | QC Complete | 03/06/2023 |
| Y1WSTQQKGQP | xx |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Confidence score from Collateral Analytics AVM dated xx shows 0.11 is greater than 0.10 Provide CDA or similar document.Additional valuation product not found in file, additional product will be ordered to validate appraised value."<br>01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 802 | 8 | xx | 40 | $36187.66 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 27.834% |  | Alternative | QC Complete | 03/06/2023 |
| RXRFDDYM22U | xx |  | xx | Oregon | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Secondary valuation is required as CU risk score is missing. Additional valuation product not found in file, additional product will be ordered to validate appraised value.<br>12/10/2021- AVM document ordered & received, however confidence score greater than 0.10, CDA requested,<br>01/04/2022 - Received CDA as additional valuation & condition resolved.<br>\*\*\* (CURED) Missing required 1-4 family rider - EV R<br> COMMENT: Missing 1-4 family rider document.<br>01/04/2022 - Loan documents has been pulled through GoDocs & so 1-4 family rider is not required. |  |  | PUD | xx | xx | xx | Investor | Cash Out | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/09/2021 |
| JD3BZFS2K4V | xx |  | xx | Nevada | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Condo / PUD rider Missing - EV R<br> COMMENT: PUD Rider is missing.<br>01/10/2022 - Received PUD rider & condition resolved. |  |  | PUD | xx | xx | xx | Investor | Cash Out | 801 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 03/06/2023 |
| OGDAFRXK1XS | xx |  | xx | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) 1-4 Family Mortgage Rider n/a but Occ/Prop Type suggest it is Required - EV R<br> COMMENT: 12/21/2021 - Received 1-4 Family rider & condition resolved.<br>\*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Provide secondary valuation document as CU Risk score is missing.<br>01/04/2022 - Received CDA as additional valuation & condition resolved.<br>\*\*\* (CURED) Condo / PUD rider Missing - EV R<br> COMMENT: Property type is condotel as per appraisal but condo Rider is missing in loan file.<br> However , In Mortgage document condo rider is unckecked and PUD rider is checked .<br> Need updated Morgage and Condo rider<br>12/21/2021 - Received updated mortgage & condo rider. Condition resolved.<br>\*\*\* (CURED) Missing required 1-4 family rider - EV R<br> COMMENT: 1-4 Family rider is missing in file.<br>12/21/2021 - Received Condo rider & condition resolved.<br>\*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: Provide Note Document as it is missing in Package.<br>12/21/2021 - Received Note & condition resolved. |  |  | Mid Rise Condo (5-8 Stories) | xx | xx | xx | Investor | Purchase | 743 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 12/07/2021 |
| QMOL014OIU5 | xx |  | xx | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Purchase | 677 |  | xx | 2.17 | $3722.19 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.636% | Yes | Alternative | QC Complete | 11/24/2021 |
| 2UNWKULWPIM | xx |  | xx | Oklahoma | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing credit report - EV R<br> COMMENT: Credit report is missing on this file<br>01/10/2022 - Received credit report & condition resolved. |  |  | Single Family | xx | xx | xx | Investor | Purchase | 766 |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  |  | Yes | Alternative | QC Complete | 03/06/2023 |
| IJNHHKSX3LE | xx |  | xx | Alabama | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: CU Risk Scores are Missing hence need additional property valuation.<br>01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | Single Family | xx | xx | xx | Primary | Purchase | 757 |  | xx | 10 | $10629.08 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.074% | No | Alternative | QC Complete | 12/03/2021 |
| GTWOZFVZOHV | xx |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Purchase | 812 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/06/2023 |
| TEUVS24WSJY | xx |  | xx | Washington | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal Value - EV R<br> COMMENT: Secondary valuation required as CU score in the subject loan is missing.Additional valuation product not found in file, additional product will be ordered to validate appraised value.<br>01/04/2022 - Received CDA as secondary valuation & condition resolved. |  |  | PUD | xx | xx | xx | Investor | Purchase | 759 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/06/2023 |
| 0QSXEU2Q23Y | xx |  | xx | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide CDA or similar document as provided AVM reflects confidence score as 0.21 which is greater than 0.10.<br>02/25/2022 - Received CDA as additional valuation & condition resolved. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 704 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 03/06/2023 |
| R5IB0051RGU | xx |  | xx | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 806 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/28/2021 |
| T31NTCMMBSL | xx |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Purchase | 797 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/06/2023 |
| 1Z2MB2EOPY1 | xx |  | xx | Idaho | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 763 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/05/2022 |
| NR3ZVFXJX4B | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 775 |  | xx | 30.5 | $16226.14 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.026% |  | Full Documentation | QC Complete | 11/10/2021 |
| Q2CDCEQTWKE | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 774 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 10/27/2021 |
| 0TJRAVE5CPI | xx |  | xx | Arizona | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Income documentation does not meet guidelines - EV W<br> COMMENT: Bank statements from Members xx account# xx for July, 2021 & February, 2020 for the business account "xx" of the borrower is missing in file. <br> However 22 months bank statements available in file are used to verify borrower's business income.<br>02/24/2022 - Not resolved - Received LOE for February 2020 bank statement as there is no transaction on this month & July 2021 month statement for different account (# XXXX).<br>3/18/2022 - Not Resolved - Received LOE for February 2020 bank statement as there is no transaction on this month but still not received the July 2021 month statement for the account - #XXXX<br>3/22/2022 - Not Resolved - Received July 2021 month statement for different account (# XXXX) , in the file we need July 2021 month statement for the account - #XXXXX. Account - #XXXX is used for bank statement income calculation<br>3/23/2022 - Not Resolved - Duplicate - Received July 2021 month statement for different account (# XXXX) , in the file we need July 2021 month statement for the account - #XXXX. Account - #XXXXX is used for bank statement income calculation<br>3/23/2022 - Received Exception approval form for 23 mos bank statement instead of 24 mos bank statements | xx% LTV , High 700 scores, Good Credit, Primary Residence, Good Stability, Has reserves, all credit trade lines paid on time. | PUD | xx | xx | xx | Primary | Refinance | 782 | 6 | xx | 15.5 | $11463.93 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.721% |  | Alternative | QC Complete | 11/17/2021 |
| V0KL5NQDXUX | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Refinance | 745 | 0.83 | xx | 2.33 | $7149.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.826% |  | Full Documentation | QC Complete | 11/11/2021 |
| IOGMXSTEI4Y | xx |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Final 1003_Application - EV R<br> COMMENT: Final 1003 reflects monthly first mortgage (P&I) $3,935.52, however as per Note P&I is $4,113.12. Provide revised 1003 with updated mortgage payments.<br>11/11/2021 - Received revised final 1003 with mortgage payments & condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide copies of current lease agreement for following property being used for rental income. : xx<br> 11/09/2021 - Received lease agreement for the rental property xx & condition has been resolved. |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 693 | 2.08 | xx | 4.58 | $18511.32 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 49.287% |  | Alternative | QC Complete | 03/06/2023 |
| 2GVLU5I40F2 | xx |  | xx | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 723 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/17/2021 |
| FCORD1PR45E | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Refinance | 814 | 18 |  |  | $41092.59 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.000% |  | Alternative | QC Complete | 12/21/2021 |
| GCM2DKMOSBR | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 726 | 0.08 | xx | 36.58 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 9.015% |  | Alternative | QC Complete | 10/19/2021 |
| HYNMKBXFKOT | xx |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Cash Out | 647 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/02/2021 |
| HW45YPZBUA5 | xx |  | xx | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) The final 1008 is missing - EV R<br> COMMENT: Loan Approval is missing in file.<br>4/26/2022 - Received loan approval and 1008 and condition is resolved<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 6.119% Allowed: 4.410% Over by: +1.709%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Purchase | 758 |  | xx | 3.91 | $9060.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.222% | Yes | Full Documentation | QC Complete | 03/06/2023 |
| 45G0AF1MTR3 | xx |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Fannie Mae CU score and Freddie Mac both are missing. Provide additional valuation report.<br>11/23/2021:Desk review report dated 10/25/2021 has been received.Condition resolved.<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the Higher-Priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z . While the Higher-Priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 4.168% Allowed: 3.900% Over by: +0.268%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged : 4.168% allowed: 3.900% Over by +0.268%.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | 2 Family | xx | xx | xx | Primary | Refinance | 705 | 14.42 | xx | 5.5 | $10000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.865% |  | Full Documentation | QC Complete | 03/06/2023 |
| 0M3TFEWPFZ0 | xx |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Borrower is self employed. Unable to calculate the income as income documents are missing in file.<br>11/02/2021 - Received self employment P&L statement, LOE & Business narrative from tax preparer & condition has been resolved. |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Purchase | 700 |  | xx | 11.41 | $18674.85 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.935% | Yes | Alternative | QC Complete | 03/06/2023 |
| NCYC4R5DGM1 | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Secondary | Purchase | 697 |  | xx |  | $9091.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 53.999% | No | Full Documentation | QC Complete | 10/19/2021 |
| 0F5C0HTLCMF | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 745 | 7 | xx | 2.97 | $7013.70 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 34.049% |  | Full Documentation | QC Complete | 12/30/2021 |
| ZWPMVWOOM4R | xx |  | xx | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 724 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 11/04/2021 |
| HIHLHLAOZYI | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 747 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 10/19/2021 |
| VKUB5LGEMJH | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Purchase | 706 |  | xx | 6.75 | $29954.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.933% | No | Alternative | QC Complete | 11/17/2021 |
| ATM4OBNO4G2 | xx |  | xx | Georgia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) The COC is missing - EV R<br> COMMENT: 1) "TRID Violation due to a fee increase on CD dated 11/18/2021. LE dated 09/16/2021 reflects a Vesta Report Fee at $0.00, however, Revised CD dated 11/18/2021 reflects the Vesta Report Fee at $35.00. This is a fee increase of $35.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees Required COC or Cost to cure."<br>2) "TRID Reimbursement Violation due to a fee increase of $8,190.00 above the 10% tolerance allowed for Shoppable fees. Initial LE dated 09/16/2021 reflects Shoppable Fees totaling $8,289.00, however, Revised CD dated 11/18/2021 reflects Shoppable Fees totaling $16,479.00. This is a fee increase of $8,190.00 above the allowable 10% tolerance for Shoppable Fees Required COC or Cost to cure."<br>Resolved 3/17/2022 : Received PCCD dated 3/16/2022 Updated fees, hence conditions resolved on 0% tolerance and 10% Tolerance.<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: TRID Violation due to a Loan Origination fee added on PCCD dated 3/16/2022. LE dated 11/12/2021 Origination fee not there, however PCCD dated 3/16/2022 reflects the Loan Origination Fee at $3,383.96. This is a fee increase of $3,383.96 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees. <br>Need Valid COC for Loan Origination fee added.<br>Resolved 3/18/2022 : Loan amount and Interest rate is not changed from Final CD to PCCD, hence issue resolved and not required for COC. |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 766 | 5.25 | xx | 6 | $64646.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 26.789% |  | Alternative | QC Complete | 12/02/2021 |
| NGCPZJVSPBY | xx |  | xx | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | xx | xx | xx | Investor | Purchase | 774 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/10/2021 |
| QBUYUKOIRKW | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | xx | xx | Primary | Refinance | 739 | 25 | xx | 20.5 | $14000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.456% |  | Alternative | QC Complete | 11/17/2021 |
| DUJINWJLJLT | xx |  | xx | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Flood Insurance policy is missing in file. (The subject property is in flood zone AE)<br>11/24/2021 - Received Flood insurance policy & condition resolved. |  |  | Single Family | xx | xx | xx | Investor | Purchase | 771 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/06/2023 |
| PNF1PJ0DADC | xx |  | xx | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 721 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/06/2023 |
| F4IBF0LGJSS | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 791 |  |  |  | $155124.35 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 8.364% |  | Alternative | QC Complete | 11/18/2021 |
| DESAVHA3AFH | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 680 |  | xx | 14.75 | $58454.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 9.999% |  | Alternative | QC Complete | 11/18/2021 |
| MWEGH5GZLXS | xx |  | xx | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: Provide a missing copy of Final 1003 for the borrower " Mohammad Karim Karimi ".<br>11/23/2021: Copy of final 1003 application provided and resolves this condition<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 5.108% Allowed: 4.540% Over by: +0.568%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged: 5.108% Allowed: 4.540% Over by: +0.568%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | PUD | xx | xx | xx | Primary | Purchase | 775 |  | xx | 0.16 | $10045.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.194% | Yes | Full Documentation | QC Complete | 03/06/2023 |
| ZFJGKG4V4YS | xx |  | xx | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 819 |  | xx |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/17/2021 |
| MPLR1CAGGNG | xx |  | xx | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 711 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 04/26/2022 |
| VS4UN0JXSHK | xx |  | xx | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 711 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 04/26/2022 |
| E10PR0U2ZKD | xx |  | xx | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 713 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 04/26/2022 |
| VPY5Y5AUQRK | xx |  | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: The Appraisal report reflects the number of units as 4 where 1 is vacant, in provided lease agreements, the agreement for the address XXXX has been expired at closing, Provide lease addendum for the same<br>5/19/2022 - Received confirmation from the client that using $2480 per the appraisal for DSCR calculation. : $2480 rent/$2203.32=DSCR coverage ratio 1.13 |  |  | 4 Family | xx | xx | xx | Investor | Cash Out | 711 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 04/26/2022 |
| E5EFI2DDRNI | xx |  | xx | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Notice of Servicing Transfer missing or unexecuted - EV R<br> COMMENT: Notice of servicing transfer missing in the package.<br>Resolved 5/17/2022 : Received LOE stating The Notice of Servicing Transfer Letter is not required on the DSCR Loan Program, hence condition is cleared. |  |  | 3 Family | xx | xx | xx | Investor | Cash Out | 711 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 04/26/2022 |
| UZLO53D1NO4 | xx |  | xx | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | xx | xx | Investor | Cash Out | 711 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 04/26/2022 |
| XQDTQSQW4QU | xx |  | xx | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | xx | xx | Investor | Cash Out | 711 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 04/26/2022 |
| T1YKLBR3Z0R | xx |  | xx | Hawaii | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Purchase | 689 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 11/17/2021 |
| I35ZO0LSWZY | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Primary | Purchase | 779 |  | xx | 0.83 | $103008.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.587% | No | Alternative | QC Complete | 11/17/2021 |
| TBLYAQLESK4 | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | xx | xx | Investor | Purchase | 802 |  | xx |  | $41869.62 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 13.685% | No | Alternative | QC Complete | 11/17/2021 |
| PQ3ORDZ3LXP | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Primary | Purchase | 796 |  | xx | 6 | $16695.47 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 30.374% | Yes | Alternative | QC Complete | 11/16/2021 |
| QO2JHIIOB4H | xx |  | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Cash Out Amount Exceeds Guidelines - EV R<br> COMMENT: Transaction is no cash out & borrower is receiving a cash back in the amount of $xx As per guidelines "Rate/Term transactions limit the borrowers to receive cash back in an amount that is the lesser of 2% or the mortgage balance or $5,000". Borrower is receiving cash back of $ xx which exceeds the cash back limit in limited cash out transaction. Transaction to be considered as cash out & Final 1003 needs to be corrected accordingly.<br>05/09 - Received HUD - Settlement statement confirming the amount of cash back and therefore cleared this exception. |  |  | Single Family | xx | xx | xx | Investor | Refinance | 791 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 03/06/2023 |
| XEAC0ZWP3AK | xx |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Purchase | 669 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/02/2021 |
| IJ2XA1D3MSM | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Purchase | 760 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/16/2021 |
| FRJ0VOPSTIT | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Purchase | 807 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/17/2021 |
| 4SKXNIM4TPE | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Purchase | 805 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/17/2021 |
| JZZSYXL1PYA | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Purchase | 690 |  | xx | 8.91 | $25000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.082% | No | Alternative | QC Complete | 11/16/2021 |
| CPDRRGVOSXY | xx |  | xx | California | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Charged 5.797% Allowed 5.600% Over by +0.197%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL : Charged 5.797% Allowed 5.600% Over by +0.197%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | Single Family | xx | xx | xx | Primary | Purchase | 729 |  | xx | 10 | $39623.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.092% | Yes | Alternative | QC Complete | 03/06/2023 |
| OJWYWAAQS0O | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Refinance | 723 | 21 | xx | 20 | $6002.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.538% |  | Alternative | QC Complete | 12/02/2021 |
| 3MHVWUEUYXD | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Purchase | 786 |  | xx | 12.92 | $7833.16 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.135% | No | Full Documentation | QC Complete | 11/17/2021 |
| VVHYC4J21C0 | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | xx | xx | xx | Investor | Purchase | 800 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/18/2021 |
| YZG3WMTU5IK | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Refinance | 746 | 2 | xx | 0.25 | $14000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.349% |  | Alternative | QC Complete | 11/16/2021 |
| ZASIBQTS1KR | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 732 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 11/17/2021 |
| F1TVCXHS4T4 | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Refinance | 802 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 11/26/2021 |
| EZNITNABDMU | xx |  | xx | California | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Charged:6.159% Allowed: 5.640% Over by: +0.519%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 Higher-Priced Mortgage Loan Test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged:6.159% Allowed: 5.640% Over by: +0.519%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | Single Family | xx | xx | xx | Primary | Purchase | 690 |  | xx | 0.08 | $40000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 22.797% | Yes | Alternative | QC Complete | 03/06/2023 |
| HRD10OP3MYH | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Purchase | 807 |  | xx | 12.8 | $33555.46 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.486% | No | Alternative | QC Complete | 11/17/2021 |
| DDRB23GATD1 | xx |  | xx | California | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Charged : 7.076% Allowed : 4.700% Over by: +2.376%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL : Charged : 7.076% Allowed : 4.700% Over by: +2.376%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 648 | 2.5 | xx | 13.75 | $14261.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Mortgage | xx | 40.715% |  | Alternative | QC Complete | 03/06/2023 |
| 3L3TJJFAILK | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Purchase | 777 |  | xx | 7.5 | $42464.89 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.498% | Yes | Alternative | QC Complete | 11/19/2021 |
| FQ4PEK2AOAX | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Purchase | 773 |  | xx | 5.41 | $12470.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.389% | No | Alternative | QC Complete | 11/19/2021 |
| AGODZQE5AB1 | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 809 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 11/18/2021 |
| DVFIG10JX3V | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 657 |  | xx | 3.25 | $150000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.842% | No | Alternative | QC Complete | 11/16/2021 |
| FKYNG0XXQ2H | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 778 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/13/2022 |
| E212SN1ZRYY | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Refinance | 719 | 16.75 | xx | 25.16 | $10952.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.850% |  | Alternative | QC Complete | 12/28/2021 |
| R25RQO3E3A0 | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 784 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 01/14/2022 |
| VKHBEDZUIPL | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Primary | Purchase | 785 |  | xx | 3.08 | $24398.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.205% | Yes | Alternative | QC Complete | 11/18/2021 |
| 0DAVZLAUWLR | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Cash Out | 740 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 12/28/2021 |
| MNQ5R1B5LLE | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Refinance | 763 | 0.5 | xx | 6.33 | $19786.08 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 7.749% |  | Alternative | QC Complete | 01/12/2022 |
| JBF321XMB5U | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Primary | Refinance | 808 | 24 | xx | 2.91 | $4983.49 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  | 39.314% |  | Full Documentation | QC Complete | 12/23/2021 |
| W4GONA1JAEE | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Primary | Purchase | 709 |  | xx | 14.58 | $27329.92 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.870% | Yes | Alternative | QC Complete | 01/04/2022 |
| C01QGHWOQRA | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 752 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/03/2022 |
| VWE3Q2LHPWR | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Refinance | 753 | 9 | xx | 15.11 | $57554.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 13.908% |  | Alternative | QC Complete | 03/06/2023 |
| SZ3GBKX1VHR | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Primary | Refinance | 725 | 0.58 | xx | 23 | $44128.39 | Mos Reviewed:24<br> Times 1X30:2<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :Yes<br> Total Delinquent:1772.00000<br> Mortgage/Rent Dlq Last 12 Mos:30<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.375% |  | Alternative | QC Complete | 02/03/2022 |
| Q1JR5MLMYBU | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Primary | Refinance | 772 | 2.2 | xx | 3.6 | $11831.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.592% |  | Alternative | QC Complete | 01/13/2022 |
| GIRWOIGXZ53 | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Refinance | 777 | 27 |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.550% |  | Alternative | QC Complete | 01/06/2022 |
| LKFUPSZGEFV | xx |  | xx | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) 0% Tolerance Fees test fail - EV R<br> COMMENT: TRID violation due to a Transfer tax fee in initial Loan estimate 11/24/2021 is $3929 and in final CD 12/30/2021 transfer tax is $4042.50 this is a fee increased of $113.50 which exceeds 0% tolerance. Valid COC or cost of cure is required.<br>Resolved 5/4/2022 : Received PCCD with cure amount of $113.90 to resolve transfer tax, hence conditions is cleared.<br>\*\*\* (CURED) TRID Violations - EV R<br> COMMENT: This loan failed the TRID Post-Consummation Event Validation Test. This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan<br>DOT and final CD borrower signed on xx we received PCCD issue date also 12/30/2021 due to post consummation validation test failed. |  |  | Single Family | xx | xx | xx | Primary | Purchase | 619 |  | xx | 7.58 | $20000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.776% | Yes | Alternative | QC Complete | 03/06/2023 |
| T50Q12MZ5UC | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | xx | xx | xx | Investor | Cash Out | 747 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 02/07/2022 |
| WMTKDDGRWLO | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 706 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 01/28/2022 |
| N5FIJND2EAM | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 677 | 20 | xx | 40 | $4500.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 39.180% |  | Alternative | QC Complete | 03/06/2023 |
| KXKVKVUHHM4 | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 777 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/12/2022 |
| VEK4PIR5BIR | xx |  | xx | Hawaii | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Purchase | 783 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/02/2022 |
| BT1NKU1D3M3 | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Purchase | 782 |  | xx | 23.16 | $29383.42 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.742% | No | Alternative | QC Complete | 01/26/2022 |
| X3ISCOAUUMC | xx |  | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: Final 1003 application missing from the loan file.<br>4/29/2022 - Received final 1003 and condition is resolved<br>\*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: Missing proof of hazard insurance policy for the subject property.<br>4/29/2022 - Received hazard insurance policy for the subject property and condition is resolved |  |  | Single Family | xx | xx | xx | Investor | Purchase | 762 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/13/2022 |
| SWL3AWZV4LU | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Refinance | 753 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 01/26/2022 |
| 3EROXH0IBO5 | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | xx | xx | xx | Investor | Purchase | 766 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/02/2022 |
| T41RNSO3ZLT | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Refinance | 733 | 2 | xx | 11.08 | $175900.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 24.718% |  | Alternative | QC Complete | 03/06/2023 |
| 3AFGA3GIN31 | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Refinance | 654 | 2.08 | xx | 10.08 | $12039.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.056% |  | Alternative | QC Complete | 02/08/2022 |
| KNHCHAX4DUR | xx |  | xx | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Note data is missing or inaccurate - EV R<br> COMMENT: 2nd and 3rd page of Note document is missing<br>5/2/2022 - Received complete note document and condition is resolved |  |  | PUD | xx | xx | xx | Primary | Purchase | 689 |  | xx | 5 | $69545.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 11.644% | Yes | Alternative | QC Complete | 02/03/2022 |
| 5IJKQC5ZMWL | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | xx | xx | xx | Investor | Purchase | 773 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/02/2022 |
| FV0FVZ4YNMN | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | xx | xx | xx | Investor | Cash Out | 767 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 02/08/2022 |
| YPJVLPVJYKS | xx |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 663 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 04/25/2022 |
| KVJJ0445HLW | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 695 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 03/06/2023 |
| WCCONTV2EMK | xx |  | xx | Hawaii | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 782 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 02/02/2022 |
| U42TBRNL00E | xx |  | xx | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | xx | xx | Investor | Purchase | 713 |  |  |  |  | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/07/2022 |
| XAPFS4FEXDH | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 812 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/08/2022 |
| VEKR1P3LKSG | xx |  | xx | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets do not meet guidelines - EV R<br> COMMENT: Require a copy of Settlement Statement to support Net Sales proceeds used as assets in final 1003 in the amount of $xx . Since funds required to close is $199,785.30 as per Closing instructions dated 01/25/2022..<br>5/05/2022 - Received settlement statement with net proceeds of $xx and assets requirement are met. Hence condition is resolved. |  |  | Single Family | xx | xx | xx | Investor | Purchase | 643 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/08/2022 |
| BIIKBQBCZW5 | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Purchase | 781 |  | xx | 12.75 | $33425.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.000% | Yes | Full Documentation | QC Complete | 11/17/2021 |
| BNJP5S5JZ3P | xx |  | xx | Nevada | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Cash Out | 744 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 02/03/2022 |
| 5ZYLTITSG1P | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 719 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 11/16/2021 |
| 4UZTTI2JALE | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Purchase | 778 |  | xx | 4.79 | $15098.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.435% | Yes | Alternative | QC Complete | 11/19/2021 |
| CQHRRRGJ0E3 | xx |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Cash Out | 763 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 02/08/2022 |
| PYGQ0JGMU14 | xx |  | xx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 745 | 10.83 | xx | 9.16 | $27500.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 23.304% |  | Alternative | QC Complete | 10/19/2021 |
| EG4W2YYWML4 | xx |  | xx | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Cash Out | 724 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 01/28/2022 |
| UGBSH0VXBDK | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 721 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 02/08/2022 |
| PDSFHHUBZEO | xx |  | xx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | xx | xx | xx | Investor | Refinance | 737 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 02/08/2022 |
| SBTUUIXVMF0 | xx |  | xx | Nevada | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | xx | xx | xx | Investor | Cash Out | 737 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 02/08/2022 |

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## Exhibit 99.28

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Dummy ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| 00Y0ZOOSM0P | xx | xx | California | xx | Primary | Cash Out A CA | RC | RA | VA | VA |
| 0DAVZLAUWLR | xx | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| 0F5C0HTLCMF | xx | xx | California | xx | Primary | Cash Out A CA | RA | RA | VA | VA |
| 0M3TFEWPFZ0 | xx | xx | California | xx | Primary | Purchase A D CD CA | RA | RA | VA | VA |
| 0QSXEU2Q23Y | xx | xx | Maryland | xx | Investor | Cash Out A D CA | RA | RA | VD | VA |
| 0TJRAVE5CPI | xx | xx | Arizona | xx | Primary | Refinance B A D CD CB | RA | RA | VA | VA |
| 1Z2MB2EOPY1 | xx | xx | Idaho | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| 2GVLU5I40F2 | xx | xx | Michigan | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| 2UNWKULWPIM | xx | xx | Oklahoma | xx | Investor | Purchase A D CD CA | RA | RA | VA | VA |
| 2XTJCWUIVNK | xx | xx | Florida | xx | Primary | Cash Out A D B CD CA | RB | RA | VA | VA |
| 3AFGA3GIN31 | xx | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| 3EROXH0IBO5 | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| 3L3TJJFAILK | xx | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| 3MHVWUEUYXD | xx | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| 45G0AF1MTR3 | xx | xx | California | xx | Primary | Refinance A D B CA | RB | RA | VD | VA |
| 4Q2WR20LDRO | xx | xx | California | xx | Primary | Cash Out A CA | RC | RA | VA | VA |
| 4SKXNIM4TPE | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| 4UZTTI2JALE | xx | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| 5IJKQC5ZMWL | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| 5ZYLTITSG1P | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| AGODZQE5AB1 | xx | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| ATM4OBNO4G2 | xx | xx | Georgia | xx | Primary | Cash Out A D CA | RD | RA | VA | VA |
| BIIKBQBCZW5 | xx | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| BNJP5S5JZ3P | xx | xx | Nevada | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| BT1NKU1D3M3 | xx | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| C01QGHWOQRA | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| CPDRRGVOSXY | xx | xx | California | xx | Primary | Purchase A B CA | RB | RA | VA | VA |
| CQHRRRGJ0E3 | xx | xx | Florida | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| DDRB23GATD1 | xx | xx | California | xx | Primary | Cash Out A B CA | RB | RA | VA | VA |
| DESAVHA3AFH | xx | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| DUJINWJLJLT | xx | xx | Florida | xx | Investor | Purchase A D CD CA | RA | RA | VA | VA |
| DVFIG10JX3V | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| E10PR0U2ZKD | xx | xx | Ohio | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| E212SN1ZRYY | xx | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| E5EFI2DDRNI | xx | xx | Ohio | xx | Investor | Cash Out A D CA | RD | RA | VA | VA |
| EG4W2YYWML4 | xx | xx | Florida | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| EZNITNABDMU | xx | xx | California | xx | Primary | Purchase A B CA | RB | RA | VA | VA |
| F1TVCXHS4T4 | xx | xx | California | xx | Investor | Refinance A CA | RA | RA | VA | VA |
| F4IBF0LGJSS | xx | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| FCORD1PR45E | xx | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| FIEOWDP50PG | xx | xx | California | xx | Primary | Cash Out A CA | RC | RA | VA | VA |
| FKYNG0XXQ2H | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| FLCVYXKNGGB | xx | xx | California | xx | Secondary | Cash Out A CA | RA | RA | VA | VA |
| FQ4PEK2AOAX | xx | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| FRJ0VOPSTIT | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| FSUZE3GDLKE | xx | xx | California | xx | Secondary | Purchase A D CD CA | RA | RA | VA | VA |
| FV0FVZ4YNMN | xx | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| GCM2DKMOSBR | xx | xx | California | xx | Primary | Cash Out A CA | RA | RA | VA | VA |
| GIRWOIGXZ53 | xx | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| GTWOZFVZOHV | xx | xx | Florida | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| GWZH2KDE5QJ | xx | xx | California | xx | Primary | Cash Out A B CA | RB | RA | VA | VA |
| HIHLHLAOZYI | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| HRD10OP3MYH | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| HW45YPZBUA5 | xx | xx | Texas | xx | Primary | Purchase A D B CD CA | RB | RA | VA | VA |
| HYNMKBXFKOT | xx | xx | Florida | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| I35ZO0LSWZY | xx | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| I3Z50G1G2DF | xx | xx | Florida | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| I4N1LWQVDD5 | xx | xx | California | xx | Primary | Cash Out A CA | RC | RA | VA | VA |
| IJ2XA1D3MSM | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| IJNHHKSX3LE | xx | xx | Alabama | xx | Primary | Purchase A D CA | RA | RA | VD | VA |
| IOGMXSTEI4Y | xx | xx | California | xx | Primary | Cash Out A D CD CA | RA | RA | VA | VA |
| IYAWIGHVWQY | xx | xx | California | xx | Investor | Cash Out A D CD CA | RA | RA | VA | VA |
| JBF321XMB5U | xx | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| JD3BZFS2K4V | xx | xx | Nevada | xx | Investor | Cash Out A D CD CA | RA | RA | VA | VA |
| JWR3EZIHSXJ | xx | xx | California | xx | Primary | Cash Out A D B CD CA | RB | RA | VA | VA |
| JZZSYXL1PYA | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| KNHCHAX4DUR | xx | xx | Texas | xx | Primary | Purchase A D CD CA | RA | RA | VA | VA |
| KVJJ0445HLW | xx | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| KXKVKVUHHM4 | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| LKFUPSZGEFV | xx | xx | Florida | xx | Primary | Purchase A D CA | RD | RA | VA | VA |
| MCOQDLGSZII | xx | xx | California | xx | Primary | Cash Out A CA | RA | RA | VA | VA |
| MNQ5R1B5LLE | xx | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| MPLR1CAGGNG | xx | xx | Ohio | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| MWEGH5GZLXS | xx | xx | California | xx | Primary | Purchase A D B CD CA | RB | RA | VA | VA |
| N5FIJND2EAM | xx | xx | California | xx | Primary | Cash Out A CA | RA | RA | VA | VA |
| NCYC4R5DGM1 | xx | xx | California | xx | Secondary | Purchase A CA | RA | RA | VA | VA |
| NGCPZJVSPBY | xx | xx | Virginia | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| NR3ZVFXJX4B | xx | xx | California | xx | Investor | Refinance A CA | RA | RA | VA | VA |
| OGDAFRXK1XS | xx | xx | Florida | xx | Investor | Purchase A D CD CA | RA | RA | VD | VA |
| OJWYWAAQS0O | xx | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| PDSFHHUBZEO | xx | xx | California | xx | Investor | Refinance A CA | RA | RA | VA | VA |
| PMEHDWWRIO4 | xx | xx | Florida | xx | Primary | Cash Out A D CA | RA | RA | VD | VA |
| PNF1PJ0DADC | xx | xx | North Carolina | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| PQ3ORDZ3LXP | xx | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| PYGQ0JGMU14 | xx | xx | California | xx | Primary | Cash Out A CA | RA | RA | VA | VA |
| Q1JR5MLMYBU | xx | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| Q2CDCEQTWKE | xx | xx | California | xx | Investor | Refinance A CA | RA | RA | VA | VA |
| QBUYUKOIRKW | xx | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| QMOL014OIU5 | xx | xx | Florida | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| QO2JHIIOB4H | xx | xx | California | xx | Investor | Refinance A D CD CA | RA | RA | VA | VA |
| R25RQO3E3A0 | xx | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| R5IB0051RGU | xx | xx | Georgia | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| RKY2MATXX1U | xx | xx | California | xx | Primary | Cash Out A CA | RC | RA | VA | VA |
| RXRFDDYM22U | xx | xx | Oregon | xx | Investor | Cash Out A D CD CA | RA | RA | VD | VA |
| RXX0TVCUPH1 | xx | xx | Florida | xx | Primary | Cash Out A CA | RC | RA | VA | VA |
| SBTUUIXVMF0 | xx | xx | Nevada | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| SWL3AWZV4LU | xx | xx | California | xx | Investor | Refinance A CA | RA | RA | VA | VA |
| SZ3GBKX1VHR | xx | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| T1YKLBR3Z0R | xx | xx | Hawaii | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| T31NTCMMBSL | xx | xx | Florida | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| T41RNSO3ZLT | xx | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| T50Q12MZ5UC | xx | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| TBLYAQLESK4 | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| TEUVS24WSJY | xx | xx | Washington | xx | Investor | Purchase A D CA | RA | RA | VD | VA |
| TOBNVXDDDSZ | xx | xx | California | xx | Primary | Cash Out A B CA | RB | RA | VA | VA |
| U42TBRNL00E | xx | xx | Texas | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| UGBSH0VXBDK | xx | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| UZLO53D1NO4 | xx | xx | Ohio | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| V0KL5NQDXUX | xx | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| V5BUINCLL42 | xx | xx | California | xx | Primary | Cash Out B A CC CB | RC | RA | VA | VA |
| VEK4PIR5BIR | xx | xx | Hawaii | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| VEKR1P3LKSG | xx | xx | California | xx | Investor | Purchase A D CD CA | RA | RA | VA | VA |
| VILZB3ROJNH | xx | xx | California | xx | Primary | Cash Out A CA | RC | RA | VA | VA |
| VKHBEDZUIPL | xx | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| VKUB5LGEMJH | xx | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| VPY5Y5AUQRK | xx | xx | Ohio | xx | Investor | Cash Out A D CD CA | RA | RA | VA | VA |
| VS4UN0JXSHK | xx | xx | Ohio | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| VVHYC4J21C0 | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| VWE3Q2LHPWR | xx | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| W4GONA1JAEE | xx | xx | California | xx | Primary | Purchase A CA | RA | RA | VA | VA |
| WCCONTV2EMK | xx | xx | Hawaii | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| WFDB4DENMT0 | xx | xx | California | xx | Investor | Cash Out A D CD CA | RA | RA | VA | VA |
| WMTKDDGRWLO | xx | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| WX0UP3ZF3C5 | xx | xx | California | xx | Primary | Purchase A B CA | RB | RA | VA | VA |
| X3ISCOAUUMC | xx | xx | California | xx | Investor | Purchase A D CD CA | RA | RA | VA | VA |
| XAPFS4FEXDH | xx | xx | California | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| XEAC0ZWP3AK | xx | xx | Florida | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| XQDTQSQW4QU | xx | xx | Ohio | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| Y1WSTQQKGQP | xx | xx | California | xx | Primary | Cash Out A D CA | RA | RA | VD | VA |
| YHPY3T0L15M | xx | xx | California | xx | Primary | Cash Out A D CD CA | RC | RA | VA | VA |
| YPJVLPVJYKS | xx | xx | Florida | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| YZG3WMTU5IK | xx | xx | California | xx | Primary | Refinance A CA | RA | RA | VA | VA |
| ZASIBQTS1KR | xx | xx | California | xx | Investor | Cash Out A CA | RA | RA | VA | VA |
| ZFJGKG4V4YS | xx | xx | Washington | xx | Investor | Purchase A CA | RA | RA | VA | VA |
| ZWPMVWOOM4R | xx | xx | Oregon | xx | Investor | Refinance A CA | RA | RA | VA | VA |

---

## Exhibit 99.29

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.29**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Dummy ID** | **Customer Loan #** | **Seller Loan #** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| I3Z50G1G2DF | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| MCOQDLGSZII | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| GWZH2KDE5QJ | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| VILZB3ROJNH | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 4Q2WR20LDRO | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| TOBNVXDDDSZ | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| V5BUINCLL42 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 2XTJCWUIVNK | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| WX0UP3ZF3C5 | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| FIEOWDP50PG | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| YHPY3T0L15M | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| WFDB4DENMT0 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| JWR3EZIHSXJ | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| RXX0TVCUPH1 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 3.400% | xx | xx | No | Unavailable | Unavailable |
| FSUZE3GDLKE | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 3.571% | xx | xx | No | Unavailable | Unavailable |
| FLCVYXKNGGB | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| RKY2MATXX1U | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| I4N1LWQVDD5 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| IYAWIGHVWQY | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 00Y0ZOOSM0P | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| PMEHDWWRIO4 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -8.667% | xx | 0.11 | xx | xx | xx | -6.667% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| Y1WSTQQKGQP | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 8.245% | xx | 0.11 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| RXRFDDYM22U | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -1.240% | xx | 0.257 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| JD3BZFS2K4V | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 1.633% | xx | 0.05 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| OGDAFRXK1XS | xx |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| QMOL014OIU5 | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -0.500% | xx | 0.05 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2UNWKULWPIM | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 0.595% | xx | 0.05 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| IJNHHKSX3LE | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| GTWOZFVZOHV | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -6.624% | xx | 0.09 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| TEUVS24WSJY | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 0QSXEU2Q23Y | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 0.408% | xx | 0.21 | xx | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| R5IB0051RGU | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -1.471% | xx | 0.06 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| T31NTCMMBSL | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -4.383% | xx | 0.06 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 1Z2MB2EOPY1 | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -6.379% | xx | 0.06 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| NR3ZVFXJX4B | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 2.3 |
| Q2CDCEQTWKE | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 0TJRAVE5CPI | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| V0KL5NQDXUX | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| IOGMXSTEI4Y | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 2GVLU5I40F2 | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| FCORD1PR45E | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -13.235% | xx | xx | No | Unavailable | Unavailable |
| GCM2DKMOSBR | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| HYNMKBXFKOT | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| HW45YPZBUA5 | xx |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 45G0AF1MTR3 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 0M3TFEWPFZ0 | xx |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 0 |
| NCYC4R5DGM1 | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | 4.317% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 0F5C0HTLCMF | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| ZWPMVWOOM4R | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | 3.636% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| HIHLHLAOZYI | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| VKUB5LGEMJH | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx | No | Not Applicable | Not Applicable |
| ATM4OBNO4G2 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -13.462% | xx | xx | No | Unavailable | Unavailable |
| NGCPZJVSPBY | xx |  | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| QBUYUKOIRKW | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| DUJINWJLJLT | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| PNF1PJ0DADC | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| F4IBF0LGJSS | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| DESAVHA3AFH | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| MWEGH5GZLXS | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| ZFJGKG4V4YS | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| MPLR1CAGGNG | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| VS4UN0JXSHK | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | -9.091% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| E10PR0U2ZKD | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| VPY5Y5AUQRK | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| E5EFI2DDRNI | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| UZLO53D1NO4 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XQDTQSQW4QU | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| T1YKLBR3Z0R | xx |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| I35ZO0LSWZY | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| TBLYAQLESK4 | xx |  | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| PQ3ORDZ3LXP | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| QO2JHIIOB4H | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 1 |
| XEAC0ZWP3AK | xx |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| IJ2XA1D3MSM | xx |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| FRJ0VOPSTIT | xx |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4SKXNIM4TPE | xx |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| JZZSYXL1PYA | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| CPDRRGVOSXY | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| OJWYWAAQS0O | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 3MHVWUEUYXD | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| VVHYC4J21C0 | xx |  | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| YZG3WMTU5IK | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| ZASIBQTS1KR | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| F1TVCXHS4T4 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Not Applicable |
| EZNITNABDMU | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Collateral Desktop Analysis | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| HRD10OP3MYH | xx |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| DDRB23GATD1 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3L3TJJFAILK | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| FQ4PEK2AOAX | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| AGODZQE5AB1 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| DVFIG10JX3V | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| FKYNG0XXQ2H | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| E212SN1ZRYY | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| R25RQO3E3A0 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| VKHBEDZUIPL | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 0DAVZLAUWLR | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| MNQ5R1B5LLE | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| JBF321XMB5U | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | xx | -1.961% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |
| W4GONA1JAEE | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx | No | Unavailable | Unavailable |
| C01QGHWOQRA | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| VWE3Q2LHPWR | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| SZ3GBKX1VHR | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | 14.320% | xx | xx | No | 5 | 2.6 |
| Q1JR5MLMYBU | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| GIRWOIGXZ53 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| LKFUPSZGEFV | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| T50Q12MZ5UC | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| WMTKDDGRWLO | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| N5FIJND2EAM | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| KXKVKVUHHM4 | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| VEK4PIR5BIR | xx |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| BT1NKU1D3M3 | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx | No | Not Applicable | Not Applicable |
| X3ISCOAUUMC | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| SWL3AWZV4LU | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 3EROXH0IBO5 | xx |  | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| T41RNSO3ZLT | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 3AFGA3GIN31 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| KNHCHAX4DUR | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 5IJKQC5ZMWL | xx |  | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| FV0FVZ4YNMN | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| YPJVLPVJYKS | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | -5.983% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3 |
| KVJJ0445HLW | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| WCCONTV2EMK | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| U42TBRNL00E | xx |  | xx | xx | xx | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XAPFS4FEXDH | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| VEKR1P3LKSG | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| BIIKBQBCZW5 | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | 14.207% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4 | 1.6 |
| BNJP5S5JZ3P | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 1.2 |
| 5ZYLTITSG1P | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 4UZTTI2JALE | xx |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| CQHRRRGJ0E3 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| PYGQ0JGMU14 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | ClearCapital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| EG4W2YYWML4 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| UGBSH0VXBDK | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| PDSFHHUBZEO | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| SBTUUIXVMF0 | xx |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |

---

## Exhibit 99.30

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Dummy ID** | **Loan Number 1** | **Loan Number 2** | **Loan Number 3** | **GSE Eligble Flag** | **DU/LP Approval** | **CDFI Flag** | **Underwriting Program** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Co-Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Borr Years of Business Tax Returns/Transcripts** | **Co-Borr Years of Business Tax Returns/Transcripts** | **Bank Statement Flag (Borr)** | **# of months Personal Bank statements (Borr)** | **# of months Business Bank statements (Borr)** | **Bank Statement Flag (Co-Borr)** | **# of months Personal Bank statements (Co-Borr)** | **# of months Business Bank statements (Co-Borr)** | **P&L Flag (Borr)** | **# of Months P&L (Borr)** | **Who Prepared the P&L** | **CPA Letter Flag (Borr)** | **# of Months CPA verified income (Borr)** | **P&L Flag (Co-Borr)** | **Who Prepared the P&L** | **# of Months P&L (Co-Borr)** | **CPA Letter Flag (Co-Borr)** | **# of Months CPA verified income (Co-Borr)** | **Asset Depletion Flag (DTI)** | **Partial Asset Depletion Flag (DTI)** | **Asset Depletion months amortized** | **Asset Utilzation Flag (No DTI)** | **Bespoke Eligible Assets** | **DSCR Flag** | **Lease in Place** | **DSCR (at Origination)** | **DSCR Calculation Method (at Orig)** | **DSCR Calc based on Short Term Rental Income Flag** | **Cross collateralized Loan Flag** | **Cross Collateralized Loan Release Provision** | **WVOE Flag (Borr)** | **# of Months of Income validated WVOE (Borr)** | **WVOE Form** | **WVOE Flag (Co-Borr)** | **# of Months of Income validated WVOE (Co-Borr)** | **WVOE Form (Co-Borr)** | **Income Doc Summary** | **BK Discharge date** | **Foreclosure Date** | **Short Sale Date** | **Deed In Lieu Date** | **TILA Status** | **Verification Safe Harbor Flag** | **Verification Safe Harbor Reference Document** | **ATR QM Total Points and Fees Audit** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Borrower Documentation Used to Determine Legal Residency** | **Co-Borrower Documentation Used to Determine Legal Residency** | **Personal Guaranty Flag** | **Personal Guaranty Recourse to the Borrower Level** | **Guarantor Designation** | **Guideline Name** |
| I3Z50G1G2DF | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | 0.82688 | 1007 |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Covered/Exempt | No |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  | LLC | Yes | Full Recourse | US Citizen | xx |
| MCOQDLGSZII | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | No |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| GWZH2KDE5QJ | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | 1 Year | Not Applicable |  | Not Applicable |  | Yes | Not Applicable | 12 |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | No |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Employed | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| VILZB3ROJNH | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable |  | Yes | Not Applicable | 12 |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Self-Employed | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| 4Q2WR20LDRO | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| TOBNVXDDDSZ | xx |  |  | No | Not Applicable |  | Full Documentation | Not Applicable | Not Applicable | 1 Year | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | Personal Tax Returns - 1 year | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| V5BUINCLL42 | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 2XTJCWUIVNK | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| WX0UP3ZF3C5 | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| FIEOWDP50PG | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| YHPY3T0L15M | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| WFDB4DENMT0 | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Covered/Exempt | No |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| JWR3EZIHSXJ | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | Non-Resident Alien | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| RXX0TVCUPH1 | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| FSUZE3GDLKE | xx |  |  | No | Not Applicable |  | Full Documentation | 1 Year | Not Applicable | Not Applicable | Not Applicable | 1 Year | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | No |  |  | Not Applicable |  |  | Business Tax Returns - 1 year | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| FLCVYXKNGGB | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| RKY2MATXX1U | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable |  | Yes | Not Applicable | 12 |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| I4N1LWQVDD5 | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| IYAWIGHVWQY | xx |  |  | No | Not Applicable |  | Full Documentation | 1 Year | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |  | No |  | Yes |  |  | Not Applicable |  |  | Tax returs - 1year | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Covered/Exempt | No |  |  | Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 00Y0ZOOSM0P | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Non-QM/Compliant | No |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| PMEHDWWRIO4 | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable |  | Yes | Not Applicable | 12 |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | US Citizen |  |  | No |  |  | xx |
| Y1WSTQQKGQP | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No |  |  | xx |
| RXRFDDYM22U | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.02257 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| JD3BZFS2K4V | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.31247 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No |  |  | xx |
| OGDAFRXK1XS | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.98929 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | Permanent Res Alien | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| QMOL014OIU5 | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | 12 | Not Applicable | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Personal Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 2UNWKULWPIM | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.36148 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | Permanent Res Alien | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| IJNHHKSX3LE | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| GTWOZFVZOHV | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.39148 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| TEUVS24WSJY | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 0.96888 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No |  |  | xx |
| 0QSXEU2Q23Y | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.5466 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No |  |  | xx |
| R5IB0051RGU | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.22443 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| T31NTCMMBSL | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.71301 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 1Z2MB2EOPY1 | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 0.80244 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| NR3ZVFXJX4B | xx |  |  | No | Not Applicable |  | Asset Utilization | Not Applicable | Not Applicable | Not Applicable |  | 1 Year |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  | Yes |  |  | No |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | Asset Utilization | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Self-Employed | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| Q2CDCEQTWKE | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.62883 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 0TJRAVE5CPI | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable |  | Yes | Not Applicable | 24 |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| V0KL5NQDXUX | xx |  |  | No | Approve/Eligible |  | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 1099 - NEC - 1 Year | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| IOGMXSTEI4Y | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 2GVLU5I40F2 | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.38277 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| FCORD1PR45E | xx |  |  | No | Not Applicable |  | Asset Utilization | Not Applicable | 2+ Years | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | No |  |  | Asset Utilization | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Not Applicable | Employed | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| GCM2DKMOSBR | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable |  | Yes | Not Applicable | 24 |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Self-Employed | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| HYNMKBXFKOT | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.63915 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | Permanent Res Alien | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| HW45YPZBUA5 | xx |  |  | No | Not Applicable |  | Full Documentation | 2+ Years | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Yes |  |  | Not Applicable |  |  | Paystubs and W2 | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Employed | Not Applicable | Non-Resident Alien | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 45G0AF1MTR3 | xx |  |  | No | Not Applicable |  | 2 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | 2 | Not Applicable | Not Applicable |  |  | Yes | 24 | CPA - Audited |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 months P&L and 2 month personal bank statements. | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 0M3TFEWPFZ0 | xx |  |  | No | Not Applicable |  | Profit and Loss Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Yes | 12 | CPA - Audited |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | P&L Statement - 12 months | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| NCYC4R5DGM1 | xx |  |  | No | Not Applicable |  | Full Documentation | 2+ Years | 2+ Years | Not Applicable |  | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | No |  |  | No |  |  | Paystubs and W2 | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Employed | Employed | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| 0F5C0HTLCMF | xx |  |  | No | Out of Scope |  | Full Documentation | 2+ Years | 2+ Years | Not Applicable |  | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Yes |  |  | Yes |  |  | Personal Tax Returns - 2 years | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Employed | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| ZWPMVWOOM4R | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 0.88438 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| HIHLHLAOZYI | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 0.73367 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| VKUB5LGEMJH | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| ATM4OBNO4G2 | xx |  |  | No | Not Applicable |  | 4 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 2 | Not Applicable |  |  | Yes | 12 | CPA - Audited |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 months P&L and 2 month business bank statements. | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| NGCPZJVSPBY | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.74 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| QBUYUKOIRKW | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable |  | Yes | Not Applicable | 12 |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Permanent Res Alien |  |  | No | Not Applicable | Not Applicable | xx |
| DUJINWJLJLT | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 0.7092 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| PNF1PJ0DADC | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 0.64989 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| F4IBF0LGJSS | xx |  |  | No | Not Applicable |  | Asset Utilization | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | Asset Utilization | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| DESAVHA3AFH | xx |  |  | No | Not Applicable |  | 3 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 2 | Not Applicable |  |  | Yes | 24 | CPA - Audited |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 months P&L and 2 month business bank statements. | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| MWEGH5GZLXS | xx |  |  | No | Not Applicable |  | Profit and Loss Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Yes | 12 | CPA - Audited |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | P&L Statement - 12 months | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| ZFJGKG4V4YS | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.16767 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| MPLR1CAGGNG | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | 1.77099 | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| VS4UN0JXSHK | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 1.48 | Lease Agreement |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| E10PR0U2ZKD | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 1.67679 | Lease |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| VPY5Y5AUQRK | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | 1.12562 | Not Applicable |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| E5EFI2DDRNI | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 1.55874 | 1007 |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| UZLO53D1NO4 | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | 1.28207 | 1007 From |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| XQDTQSQW4QU | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1.55266 | 1007 |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| T1YKLBR3Z0R | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 0.91376 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | Permanent Res Alien | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| I35ZO0LSWZY | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable |  | Yes | Not Applicable | 24 |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| TBLYAQLESK4 | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| PQ3ORDZ3LXP | xx |  |  | No | Not Applicable |  | 3 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 2 | Not Applicable |  |  | Yes | 12 | CPA - Audited |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 months P&L and 2 month business bank statements. | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| QO2JHIIOB4H | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 2.04904 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| XEAC0ZWP3AK | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 0.78429 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | Permanent Res Alien | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| IJ2XA1D3MSM | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 0.91627 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| FRJ0VOPSTIT | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.05158 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 4SKXNIM4TPE | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 0.81252 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| JZZSYXL1PYA | xx |  |  | No | Not Applicable |  | 2 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 2 | Not Applicable |  |  | Yes | 24 | CPA - Audited |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 months P&L and 2 month business bank statements. | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| CPDRRGVOSXY | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| OJWYWAAQS0O | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 3MHVWUEUYXD | xx |  |  | No | Not Applicable |  | Full Documentation | 2+ Years | 2+ Years | Not Applicable |  | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Yes |  |  | Yes |  |  | Paystubs and W2 | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Employed | Employed | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| VVHYC4J21C0 | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.54945 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| YZG3WMTU5IK | xx |  |  | No | Not Applicable |  | 2 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | 2 | Not Applicable | Not Applicable |  |  | Yes | 24 | CPA - Audited |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 months P&L and 2 month personal bank statements. | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| ZASIBQTS1KR | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 3.06721 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| F1TVCXHS4T4 | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.41653 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| EZNITNABDMU | xx |  |  | No | Not Applicable |  | 2 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 2 | Not Applicable |  |  | Yes | 24 | CPA - Audited |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 months P&L and 2 month business bank statements. | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| HRD10OP3MYH | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable |  | Yes | Not Applicable | 24 |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank Statement | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Self-Employed | Not Applicable | US Citizen | Unavailable |  |  | No | Not Applicable | Not Applicable | xx |
| DDRB23GATD1 | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 3L3TJJFAILK | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| FQ4PEK2AOAX | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| AGODZQE5AB1 | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.2554 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| DVFIG10JX3V | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| FKYNG0XXQ2H | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.93501 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | Non-Resident Alien | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| E212SN1ZRYY | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| R25RQO3E3A0 | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.13207 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| VKHBEDZUIPL | xx |  |  | No | Not Applicable |  | 2 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | 2 | Not Applicable | Not Applicable |  |  | Yes | 12 | CPA - Audited |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 months P&L and 2 month Personal bank statements. | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 0DAVZLAUWLR | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.09566 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| MNQ5R1B5LLE | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| JBF321XMB5U | xx |  |  | No | Not Applicable |  | Full Documentation | Not Verified | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | No |  |  | Not Applicable |  |  | 1099 - MISC - 1 Year | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| W4GONA1JAEE | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable |  | Yes | Not Applicable | 24 |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Self-Employed | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| C01QGHWOQRA | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.15827 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | Permanent Res Alien | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| VWE3Q2LHPWR | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| SZ3GBKX1VHR | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| Q1JR5MLMYBU | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| GIRWOIGXZ53 | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Yes | Not Applicable | 24 |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Not Applicable | Self-Employed | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| LKFUPSZGEFV | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | 12 | Not Applicable | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Personal Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No |  |  | xx |
| T50Q12MZ5UC | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.21935 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| WMTKDDGRWLO | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.06295 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| N5FIJND2EAM | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable |  | Yes | Not Applicable | 24 |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Self-Employed | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| KXKVKVUHHM4 | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 0.70211 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| VEK4PIR5BIR | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.27225 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| BT1NKU1D3M3 | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable |  | Yes | Not Applicable | 12 |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| X3ISCOAUUMC | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 0.88511 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| SWL3AWZV4LU | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.60484 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 3EROXH0IBO5 | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 0.854 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| T41RNSO3ZLT | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 3AFGA3GIN31 | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| KNHCHAX4DUR | xx |  |  | No | Not Applicable |  | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 Mo Business Bank Statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 5IJKQC5ZMWL | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.22081 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| FV0FVZ4YNMN | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.26254 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| YPJVLPVJYKS | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes | No | 1.23816 | Appraisal 1007 Form |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| KVJJ0445HLW | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 3.14568 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| WCCONTV2EMK | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.1198 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| U42TBRNL00E | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.59163 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| XAPFS4FEXDH | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 0.75315 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| VEKR1P3LKSG | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.63813 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| BIIKBQBCZW5 | xx |  |  | No | Not Applicable |  | Full Documentation | Not Applicable | 2+ Years | 2+ Years |  | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Yes |  |  | Personal Tax Returns - 2 years | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Employed | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| BNJP5S5JZ3P | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.21224 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 5ZYLTITSG1P | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.12276 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| 4UZTTI2JALE | xx |  |  | No | Not Applicable |  | 2 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 2 | Not Applicable |  |  | Yes | 12 | CPA - Audited |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 12 months P&L and 2 month business bank statements. | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| CQHRRRGJ0E3 | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.49 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| PYGQ0JGMU14 | xx |  |  | No | Not Applicable |  | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  | Not Applicable |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | 24 Mo Business Bank statements | Not Applicable | Not Applicable |  | Not Applicable | Non-QM/Compliant |  |  |  | Self-Employed | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| EG4W2YYWML4 | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.32455 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| UGBSH0VXBDK | xx |  |  | No | Approve/Eligible |  | DSCR | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  | Not Applicable | Unavailable |  |  |  |  |  | Not Applicable |  |  |  |  |  |  | Yes |  | 1.09685 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | Not Applicable |  |  | No | Not Applicable | Not Applicable | xx |
| PDSFHHUBZEO | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.88475 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |
| SBTUUIXVMF0 | xx |  |  | No | Not Applicable |  | DSCR | Not Applicable | Not Applicable | Unavailable |  | Unavailable |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  | Not Applicable | Unavailable |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.68741 |  |  | No |  | Not Applicable |  |  | Not Applicable |  |  | DSCR | Not Applicable | Not Applicable |  | Not Applicable | Not Covered/Exempt |  |  |  | Not Applicable | Not Applicable | US Citizen | US Citizen |  |  | No | Not Applicable | Not Applicable | xx |

---

## Exhibit 99.31

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.31**

![](ex9931001.jpg)

**Selene Diligence LLC ("Selene") Due**

**Diligence Review Narrative ("Report")**

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

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by MFA Financial, Inc. ("Client"). The review was conducted between October 2021 and February 2023 via files imaged and provided for review (the "Review").

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 99 Non-QM and 94 ATR exempt loans for a total of 193 loans the "Final Securitization Population".

*<u>Credit Reviews (193):</u>*

During the Review, Selene performed a credit review on 193 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (193)</u>*

During the Review, Selene performed a compliance review on 193 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (193):</u>*

During the Review, Selene performed a property valuation review on 193 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (193):</u>*

During the Review, Selene performed a Data Integrity Review on 193 mortgage loans in the Final Securitization Population.

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 193 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;193 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;193 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;193 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;193 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, , S&P Global Ratings ("S&P") and DBRS, Inc. ("DBRS/Morningstar") (the "NRSRO(s)").

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

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

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

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

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

EC Non-QM Investor Eligibility Guidelines, SFR Underwriting Guidelines (the Guidelines)

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

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

Page **2** of **15**

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

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

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

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

**PROPERTY VALUATION REVIEW**

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

● **Original Appraisal Assessment** 

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

● **Value Supported Analysis** 

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

Page **3** of **15**

**DATA INTEGRITY REVIEW**

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

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

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

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

● Discrepancies found during comparison are stored and reported.

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

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

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 193 mortgage loans, (ii) a Compliance Review on 193 mortgage loans (iii) a Valuation Review on 193 mortgage loans, and (iv) a Data Integrity Review on 193 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 193 mortgage loans; 179 mortgage loans had a rating grade of A, 14 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (193 overall loans):***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;77 | &nbsp;&nbsp;77 | &nbsp;&nbsp;39.90% | &nbsp;&nbsp;A | &nbsp;&nbsp;179 | &nbsp;&nbsp;179 | &nbsp;&nbsp;92.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.52% | &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;40 | &nbsp;&nbsp;40 | &nbsp;&nbsp;20.72% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;75 | &nbsp;&nbsp;75 | &nbsp;&nbsp;38.86% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

---

Page **4** of **15**

***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;193 | &nbsp;&nbsp;193 | &nbsp;&nbsp;100% | &nbsp;&nbsp;A | &nbsp;&nbsp;181 | &nbsp;&nbsp;181 | &nbsp;&nbsp;93.78% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;6.22% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
|  |  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;191 | &nbsp;&nbsp;191 | &nbsp;&nbsp;98.97% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.03% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |  |  |  |  |

---

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

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

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

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

Page **5** of **15**

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

Selene furnished the following reports on this transaction:

1. Selene
Diligence Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

Page **6** of **15**

**APPENDIX A – CREDIT REVIEW SCOPE**

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

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

Page **7** of **15**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

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

**Fraud**

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

On this Fraud report Selene:

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

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

Page **8** of **15**

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

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

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

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

**Debt-Service Coverage Ratios "DSCR"**

Calculate the debt-service coverage ratio to ensure it meets minimum guideline standards

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

Page **9** of **15**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

Page **10** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note:
 Where available, Selene 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, Selene's
 review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These
 statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations
 in the mortgage loan purchase agreement between the Client and seller correspondent;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

i) confirm current applicable HUD form was provided;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

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

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

Page **11** of **15**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Page **12** of **15**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<u>General Ability to Repay</u>

Selene reviewed 50 mortgage loans 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.

Page **13** of **15**

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

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

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

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

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

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

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

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

Page **14** of **15**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified 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; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

## Exhibit 99.32

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.32**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 56306 |  | XXXX | XXXX C A |
| 56309 |  | XXXX | XXXX A C |
| 57700 |  | XXXX | XXXX A |
| 56311 |  | XXXX | XXXX A |
| 56313 |  | XXXX | XXXX A |
| 56301 |  | XXXX | XXXX C A |
| 56307 |  | XXXX | XXXX A |
| 57696 |  | XXXX | XXXX C A |
| 57407 |  | XXXX | XXXX D A |
| 57699 |  | XXXX | XXXX A D |
| 56316 |  | XXXX | XXXX D A |
| 57413 |  | XXXX | XXXX C A |
| 56318 |  | XXXX | XXXX A |
| 56327 |  | XXXX | XXXX D A |
| 57753 |  | XXXX | XXXX C A |
| 56303 |  | XXXX | XXXX A |
| 56321 |  | XXXX | XXXX C A |
| 56323 |  | XXXX | XXXX A |
| 56304 |  | XXXX | XXXX A |
| 56305 |  | XXXX | XXXX A |
| 57418 |  | XXXX | XXXX A D |
| 57422 |  | XXXX | XXXX C D A B |
| 57423 |  | XXXX | XXXX C D A |
| 57731 |  | XXXX | XXXX A |
| 57425 |  | XXXX | XXXX A C |
| 57426 |  | XXXX | XXXX A |
| 57716 |  | XXXX | XXXX A |
| 57747 |  | XXXX | XXXX D A |
| 57694 |  | XXXX | XXXX D A |
| 57726 |  | XXXX | XXXX D C A |
| 57728 |  | XXXX | XXXX A D |
| 57733 |  | XXXX | XXXX A C |
| 57738 |  | XXXX | XXXX A C |
| 57740 |  | XXXX | XXXX A |
| 57748 |  | XXXX | XXXX A |
| 57725 |  | XXXX | XXXX A |
| 57743 |  | XXXX | XXXX D A |
| 57749 |  | XXXX | XXXX C A |
| 57757 |  | XXXX | XXXX A |
| 57756 |  | XXXX | XXXX D C A |
| 57755 |  | XXXX | XXXX A |
| 57701 |  | XXXX | XXXX A |
| 57704 |  | XXXX | XXXX A C |
| 57734 |  | XXXX | XXXX A D |
| 58089 |  | XXXX | XXXX A D |
| 57685 |  | XXXX | XXXX A |
| 57686 |  | XXXX | XXXX A D |
| 57687 |  | XXXX | XXXX D A |
| 57684 |  | XXXX | XXXX A |
| 57689 |  | XXXX | XXXX D A |
| 57690 |  | XXXX | XXXX A D |
| 57691 |  | XXXX | XXXX A D |
| 57692 |  | XXXX | XXXX C A |
| 58105 |  | XXXX | XXXX A |
| 58121 |  | XXXX | XXXX A |
| 58123 |  | XXXX | XXXX A |
| 58057 |  | XXXX | XXXX D A |
| 58079 |  | XXXX | XXXX A D |
| 58086 |  | XXXX | XXXX A |
| 58093 |  | XXXX | XXXX A |
| 60111 |  | XXXX | XXXX A |
| 61501 |  | XXXX | XXXX C D A |
| 58098 |  | XXXX | XXXX A |
| 61497 |  | XXXX | XXXX A |
| 60124 |  | XXXX | XXXX A |
| 60364 |  | XXXX | XXXX A |
| 60120 |  | XXXX | XXXX A |
| 61502 |  | XXXX | XXXX A |
| 60410 |  | XXXX | XXXX C A |
| 60144 |  | XXXX | XXXX C A |
| 60451 |  | XXXX | XXXX A D |
| 60367 |  | XXXX | XXXX A C |
| 60407 |  | XXXX | XXXX C A B |
| 61336 |  | XXXX | XXXX A |
| 60398 |  | XXXX | XXXX A |
| 61240 |  | XXXX | XXXX A |
| 61508 |  | XXXX | XXXX C A B |
| 61277 |  | XXXX | XXXX A |
| 61507 |  | XXXX | XXXX A B |
| 61314 |  | XXXX | XXXX A D |
| 62259 |  | XXXX | XXXX A D |
| 62272 |  | XXXX | XXXX A |
| 62255 |  | XXXX | XXXX C A |
| 61545 |  | XXXX | XXXX A |
| 61521 |  | XXXX | XXXX A D B |
| 61529 |  | XXXX | XXXX A D |
| 61531 |  | XXXX | XXXX C A |
| 61536 |  | XXXX | XXXX A |
| 62304 |  | XXXX | XXXX A D |
| 61500 |  | XXXX | XXXX D A |
| 57711 |  | XXXX | XXXX D A |
| 61515 |  | XXXX | XXXX A |
| 61517 |  | XXXX | XXXX D C A |
| 61519 |  | XXXX | XXXX A |
| 62275 |  | XXXX | XXXX A |
| 61523 |  | XXXX | XXXX C A |
| 61542 |  | XXXX | XXXX A |
| 61527 |  | XXXX | XXXX A |
| 61530 |  | XXXX | XXXX D C A |
| 61950 |  | XXXX | XXXX C A B |
| 63047 |  | XXXX | XXXX D A |
| 63051 |  | XXXX | XXXX C D A |
| 61539 |  | XXXX | XXXX A |
| 61541 |  | XXXX | XXXX A |
| 62256 |  | XXXX | XXXX C A |
| 62257 |  | XXXX | XXXX A |
| 61921 |  | XXXX | XXXX A |
| 61922 |  | XXXX | XXXX C A |
| 61948 |  | XXXX | XXXX D C A B |
| 62306 |  | XXXX | XXXX A |
| 62299 |  | XXXX | XXXX A D |
| 62260 |  | XXXX | XXXX A D |
| 61935 |  | XXXX | XXXX A C |
| 61968 |  | XXXX | XXXX A |
| 62262 |  | XXXX | XXXX A C |
| 62270 |  | XXXX | XXXX C A |
| 63034 |  | XXXX | XXXX A |
| 62282 |  | XXXX | XXXX C A |
| 61969 |  | XXXX | XXXX C A |
| 63080 |  | XXXX | XXXX A D B |
| 62279 |  | XXXX | XXXX A D |
| 62307 |  | XXXX | XXXX A B |
| 62716 |  | XXXX | XXXX A D |
| 63057 |  | XXXX | XXXX D A B |
| 62703 |  | XXXX | XXXX C A |
| 62276 |  | XXXX | XXXX A |
| 62308 |  | XXXX | XXXX A C B |
| 62751 |  | XXXX | XXXX A D |
| 62727 |  | XXXX | XXXX A D |
| 62309 |  | XXXX | XXXX A |
| 62750 |  | XXXX | XXXX A D |
| 62740 |  | XXXX | XXXX A D |
| 63346 |  | XXXX | XXXX A C |
| 62733 |  | XXXX | XXXX A C |
| 63355 |  | XXXX | XXXX A D |
| 63359 |  | XXXX | XXXX C A |
| 63065 |  | XXXX | XXXX A |
| 63349 |  | XXXX | XXXX A |
| 63037 |  | XXXX | XXXX A B |
| 63040 |  | XXXX | XXXX A D |
| 63048 |  | XXXX | XXXX A D |
| 62754 |  | XXXX | XXXX A |
| 62737 |  | XXXX | XXXX A |
| 62695 |  | XXXX | XXXX C D A |
| 63055 |  | XXXX | XXXX A D |
| 63062 |  | XXXX | XXXX A D |
| 63066 |  | XXXX | XXXX A |
| 63083 |  | XXXX | XXXX B C A |
| 62747 |  | XXXX | XXXX A |
| 63036 |  | XXXX | XXXX A C |
| 62709 |  | XXXX | XXXX A D |
| 62721 |  | XXXX | XXXX C D A |
| 63063 |  | XXXX | XXXX D A |
| 63031 |  | XXXX | XXXX A |
| 63354 |  | XXXX | XXXX A |
| 63054 |  | XXXX | XXXX A |
| 63075 |  | XXXX | XXXX A |
| 62739 |  | XXXX | XXXX A |
| 63074 |  | XXXX | XXXX B A |
| 63980 |  | XXXX | XXXX C A |
| 63986 |  | XXXX | XXXX A |
| 63997 |  | XXXX | XXXX A |
| 64004 |  | XXXX | XXXX A |
| 63984 |  | XXXX | XXXX D A |
| 63987 |  | XXXX | XXXX A |
| 63991 |  | XXXX | XXXX A C |
| 63992 |  | XXXX | XXXX A |
| 64003 |  | XXXX | XXXX C D A |
| 63982 |  | XXXX | XXXX C A |
| 63995 |  | XXXX | XXXX A |
| 63999 |  | XXXX | XXXX A D |
| 63998 |  | XXXX | XXXX C A B |
| 64000 |  | XXXX | XXXX A |
| 63978 |  | XXXX | XXXX C A |
| 63993 |  | XXXX | XXXX A |
| 63976 |  | XXXX | XXXX C D A |
| 63977 |  | XXXX | XXXX A |
| 64007 |  | XXXX | XXXX C A |
| 63979 |  | XXXX | XXXX A D |
| 64274 |  | XXXX | XXXX A |
| 64273 |  | XXXX | XXXX A D |
| 63981 |  | XXXX | XXXX A |
| 63975 |  | XXXX | XXXX A |
| 63973 |  | XXXX | XXXX A D |
| 63974 |  | XXXX | XXXX A |
| 64001 |  | XXXX | XXXX D A |
| 64277 |  | XXXX | XXXX A |
| 64275 |  | XXXX | XXXX A |
| 64283 |  | XXXX | XXXX A D |
| 65403 |  | XXXX | XXXX A |
| 65402 |  | XXXX | XXXX A D |
| 50183 |  | XXXX | XXXX C A B |
| 63996 |  | XXXX | XXXX D A |

---

## Exhibit 99.33

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.33**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 56306 |  |  | Closed | 2021-11-02 15:44 | 2021-11-03 12:34 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-GL require 1 month. Finding resolved. - Due Diligence Vendor-11/03/2021 <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-11/03/2021 <br>Open-Asset Record 1 Does Not Meet G/L Requirements - Due Diligence Vendor-11/03/2021 <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-11/03/2021 <br>Ready for Review-Document Uploaded. Approval based on written VOE, bank statements not required. - Seller-11/02/2021 <br>Open-Asset Record 1 Does Not Meet G/L Requirements Need 2 months of bank statements. only have 1 month - Due Diligence Vendor-10/15/2021 | Ready for Review-Document Uploaded. Approval based on written VOE, bank statements not required. - Seller-11/02/2021 | Resolved-GL require 1 month. Finding resolved. - Due Diligence Vendor-11/03/2021 <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-11/03/2021 <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-11/03/2021 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 128915 | N/A | N/A |
| XXXX | 56309 |  |  | Closed | 2021-11-08 17:34 | 2021-11-17 20:37 | Resolved | 1 - Information C A | Compliance | Compliance | Missing final HUD Unable to determine RESPA 2010 fee compliance | Resolved-Final Hud received. Close date was XXXX settlement date XXXX and funding date on XXXX - Due Diligence Vendor-11/17/2021 <br> Ready for Review-These dates are correct, the signing date is XXXX, the loan funded on XXXX, and the funds were disbursed on XXXX - Seller-11/08/2021 <br> Counter-Client provided amended Final HUD, but still reflects Settlement date as XXXX. Please provide certified, corrected Final HUD/Settlement Statement reflecting XXXX Closing Date, XXXX Settlement Date and XXXX Disbursement Date. - Due Diligence Vendor-11/08/2021 <br> Ready for Review-Document Uploaded. - Seller-11/05/2021 <br> Counter-Client provided Final Settlement Statement. Final Settlement Statement Closing Date and Settlement Date reflect XX/XX/XXXX and do not match Transaction Date XXXX. - Due Diligence Vendor-11/03/2021 <br> Ready for Review-Document Uploaded. - Seller-11/02/2021 <br> Open-Missing Final hud - Due Diligence Vendor-10/18/2021 | Ready for Review-These dates are correct, the signing date is XXXX, the loan funded on XXXX, and the funds were disbursed on XXXX - Seller-11/08/2021 <br> Ready for Review-Document Uploaded. - Seller-11/05/2021 <br> Ready for Review-Document Uploaded. - Seller-11/02/2021 | Resolved-Final Hud received. Close date was XXXX settlement date XXXX and funding date on XXXX. - Due Diligence Vendor-11/17/2021 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 130973 | N/A | N/A |
| XXXX | 56301 |  |  | Closed | 2021-10-14 17:17 | 2021-11-01 17:03 | Resolved | 1 - Information C A | Compliance | Data | Borrower 1 Final Signature Date is in the future | Resolved- - Due Diligence Vendor-11/01/2021 <br> Open-Borrower 1 Final Signature Date of XXXX is greater than the Transaction Date of XXXX Final signature on 1008 was signed by both borrower and originator on XXXX transaction date on note and deed are XXXX - Due Diligence Vendor-10/14/2021 <br> Open-Borrower 1 Final Signature Date of XXXX is greater than the Transaction Date of XXXX - Due Diligence Vendor-10/14/2021 |  |  |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 127063 | N/A | N/A |
| XXXX | 56301 |  |  | Closed | 2021-10-27 17:36 | 2021-11-01 16:56 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') Client provided updated Insurance coverage. Finding resolved. - Due Diligence Vendor-11/01/2021 <br> Ready for Review-Document Uploaded. Uploaded updated hazard insurance with coverage up to $XXXX, which is sufficient per the Estimate of Cost New on the appraisal of $XXXX. - Seller-10/27/2021 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage Amount of $XXXX which is less then the required coverage amount of $XXXX. - Due Diligence Vendor-10/14/2021 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'No' - Due Diligence Vendor-10/14/2021 | Ready for Review-Document Uploaded. Uploaded updated hazard insurance with coverage up to $XXXX, which is sufficient per the Estimate of Cost New on the appraisal of $XXXX. - Seller-10/27/2021 | Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') Client provided updated Insurance coverage. Finding resolved. - Due Diligence Vendor-11/01/2021 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 126961 | N/A | N/A |
| XXXX | 57696 |  |  | Closed | 2021-10-27 20:10 | 2021-11-01 18:04 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved- - Due Diligence Vendor-11/01/2021 <br>Ready for Review-Document Uploaded. - Seller-10/27/2021 <br>Open-There was no DSCR worksheet in file - Due Diligence Vendor-10/18/2021 | Ready for Review-Document Uploaded. - Seller-10/27/2021 |  | XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 130564 | N/A | N/A |
| XXXX | 57407 |  |  | Closed | 2021-11-30 20:18 | 2021-12-02 16:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Client provided Tax Cert. Finding resolved. - Due Diligence Vendor-12/02/2021 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/02/2021 <br>Ready for Review-Document Uploaded. - Seller-11/30/2021 <br>Open-Missing Evidence of Property Tax Tax certificate not present in file. - Due Diligence Vendor-10/14/2021 | Ready for Review-Document Uploaded. - Seller-11/30/2021 | Resolved-Client provided Tax Cert. Finding resolved. - Due Diligence Vendor-12/02/2021 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/02/2021 | XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 127880 | N/A | N/A |
| XXXX | 57407 |  |  | Closed | 2021-11-30 20:18 | 2021-12-02 15:56 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Client provided executed DOT/MTG. Finding resolved. - Due Diligence Vendor-12/02/2021 <br>Ready for Review-Document Uploaded. - Seller-11/30/2021 <br>Open-The Deed of Trust is Not Executed Executed Deed of Trust is missing from the file. - Due Diligence Vendor-10/27/2021 | Ready for Review-Document Uploaded. - Seller-11/30/2021 | Resolved-Client provided executed DOT/MTG. Finding resolved. - Due Diligence Vendor-12/02/2021 | XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 144693 | N/A | N/A |
| XXXX | 57407 |  |  | Closed | 2021-11-30 20:18 | 2021-12-02 15:25 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-12/02/2021 <br>Ready for Review-Document Uploaded. - Seller-11/30/2021 <br>Open-The Note is Not Executed Executed Note missing from file. - Due Diligence Vendor-10/27/2021 | Ready for Review-Document Uploaded. - Seller-11/30/2021 | Resolved-The Note is Executed - Due Diligence Vendor-12/02/2021 | XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 144691 | N/A | N/A |
| XXXX | 57407 |  |  | Closed | 2021-10-15 19:34 | 2021-12-02 15:19 | Resolved | 1 - Information C A | Compliance | Data | Borrower 2 Final Signature Date is in the future | Resolved-Validation Resolved - Due Diligence Vendor-12/02/2021 <br> Open-Unable to determine due to missing executed note/DOT. - Due Diligence Vendor-10/27/2021 <br> Open-Borrower 2 Final Signature Date of XXXX is greater than the Transaction Date of XXXX - Due Diligence Vendor-10/15/2021 |  | Resolved-Validation Resolved - Due Diligence Vendor-12/02/2021 |  |  |  | FL | Investment | Refinance | Cash Out - Other | 129230 | N/A | N/A |
| XXXX | 57407 |  |  | Closed | 2021-10-15 19:34 | 2021-12-02 15:19 | Resolved | 1 - Information C A | Compliance | Data | Borrower 1 Final Signature Date is in the future | Resolved-Validation Resolved - Due Diligence Vendor-12/02/2021 <br> Open-Unable to determine due to missing executed note/DOT. - Due Diligence Vendor-10/27/2021 <br> Open-Borrower 1 Final Signature Date of XXXX is greater than the Transaction Date of XX/XX/XXXX - Due Diligence Vendor-10/15/2021 |  | Resolved-Validation Resolved - Due Diligence Vendor-12/02/2021 |  |  |  | FL | Investment | Refinance | Cash Out - Other | 129231 | N/A | N/A |
| XXXX | 57699 |  |  | Closed | 2021-12-23 17:23 | 2022-01-03 20:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Client provided document as requested, this finding is resolved. - Due Diligence Vendor-01/03/2022 <br>Ready for Review-Document Uploaded. this was in the original credit package - Seller-12/23/2021 <br>Open-initial closing disclosure is missing in file - Due Diligence Vendor-10/15/2021 | Ready for Review-Document Uploaded. this was in the original credit package - Seller-12/23/2021 | Resolved-Client provided document as requested, this finding is resolved. - Due Diligence Vendor-01/03/2022 | XXXX |  |  | FL | Second Home | Purchase | NA | 129571 | N/A | N/A |
| XXXX | 56316 |  |  | Closed | 2021-10-27 16:23 | 2023-03-06 17:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-03/02/2023 <br>Resolved-Client provided Business Certificate. Finding resolved. - Due Diligence Vendor-11/01/2021 <br>Ready for Review-Document Uploaded. Doc was in file - Seller-10/27/2021 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Disclosure is missing from the file. - Due Diligence Vendor-10/14/2021 | Ready for Review-Document Uploaded. Doc was in file - Seller-10/27/2021 | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-03/02/2023 <br>Resolved-Client provided Business Certificate. Finding resolved. - Due Diligence Vendor-11/01/2021 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 126834 | N/A | N/A |
| XXXX | 56316 |  |  | Closed | 2021-11-09 17:19 | 2021-11-15 21:22 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Client provided updated to include DSCR%. Finding resolved. - Due Diligence Vendor-11/15/2021 <br> Ready for Review-Document Uploaded. Please see attached 1008 with the debt service of subject in the comment section - Seller-11/09/2021 <br> Counter-1008 UW comments does not include DSCR % calculated by UW and Lender Approval reflects DSCR % as 0.00%. Please provide updated 1008 and/or updated Approval to include DSCR % calculated/used by underwriting for loan approval. - Due Diligence Vendor-11/08/2021 <br> Ready for Review-Document Uploaded. The subject is rented per appraisal and per the lease agreements (all attached) not sure what the issue is . I think they may not be looking at the incorrect fields? The rent is $XXXX the PITI is XXXX so the debt service is 1.05 - Seller-11/05/2021 <br> Counter-Document provided by Client reflects DSCR 0.00%. - Due Diligence Vendor-11/01/2021 <br> Ready for Review-Document Uploaded. - Seller-10/27/2021 <br> Open-DSCR calculation is missing from the file. - Due Diligence Vendor-10/14/2021 | Ready for Review-Document Uploaded. Please see attached 1008 with the debt service of subject in the comment section - Seller-11/09/2021 <br>Ready for Review-Document Uploaded. The subject is rented per appraisal and per the lease agreements (all attached) not sure what the issue is . I think they may not be looking at the incorrect fields? The rent is $7150 the PITI is 6792 so the debt service is 1.05 - Seller-11/05/2021 <br>Ready for Review-Document Uploaded. - Seller-10/27/2021 | Resolved-Client provided updated to include DSCR%. Finding resolved. - Due Diligence Vendor-11/15/2021 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 126945 | N/A | N/A |
| XXXX | 57413 |  |  | Closed | 2021-10-27 16:44 | 2023-03-06 18:26 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-11/01/2021 <br>Ready for Review-There is no discrepancy of borrower's name on title. - Seller-10/27/2021 <br>Open-Property Title Issue Title is not in borrowers name. - Due Diligence Vendor-10/14/2021 | Ready for Review-There is no discrepancy of borrower's name on title. - Seller-10/27/2021 | Resolved-Property Title Issue Resolved - Due Diligence Vendor-11/01/2021 |  |  |  | CA | Primary Residence | Purchase | NA | 127093 | N/A | N/A |
| XXXX | 56327 |  |  | Closed | 2021-10-27 15:33 | 2022-02-07 21:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Client provided 2 yr transcript. Finding resolved. - Due Diligence Vendor-11/01/2021 <br>Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-11/01/2021 <br>Ready for Review-Document Uploaded. - Seller-10/27/2021 <br>Open-Borrower 1 W2/1099 Missing Income Worksheet on page 113 Shows income for 2020 and 2019 from w2's - w2's not located in the file - Due Diligence Vendor-10/14/2021 | Ready for Review-Document Uploaded. - Seller-10/27/2021 | Resolved-Client provided 2 yr transcript. Finding resolved. - Due Diligence Vendor-11/01/2021 <br>Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-11/01/2021 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 126562 | N/A | N/A |
| XXXX | 56327 |  |  | Closed | 2021-10-27 15:44 | 2022-02-07 21:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Client provided WVOE. Finding resolved. - Due Diligence Vendor-11/01/2021 <br>Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-11/01/2021 <br>Ready for Review-Document Uploaded. - Seller-10/27/2021 <br>Open-Borrower 1 WVOE Missing Per Lender Guidelines, for VOE approved loans a WVOE is required. It must have 2 years employment plus year to date and be on FNMA form 1005 - this form has not been located in the file.<br> - Due Diligence Vendor-10/14/2021 | Ready for Review-Document Uploaded. - Seller-10/27/2021 | Resolved-Client provided WVOE. Finding resolved. - Due Diligence Vendor-11/01/2021 <br>Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-11/01/2021 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 126563 | N/A | N/A |
| XXXX | 56327 |  |  | Closed | 2021-10-27 15:31 | 2021-11-01 20:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing credit report | Resolved-Credit Report is Provided - Due Diligence Vendor-11/01/2021 <br>Ready for Review-Document Uploaded. - Seller-10/27/2021 <br>Open-Credit Report is Missing Initial credit report pulled on 8/4/2021 not located in file, date found on loan detail report with credit scores on page 671 - Due Diligence Vendor-10/14/2021 | Ready for Review-Document Uploaded. - Seller-10/27/2021 | Resolved-Credit Report is Provided - Due Diligence Vendor-11/01/2021 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 126614 | N/A | N/A |
| XXXX | #N/A |  |  | Closed | 2021-11-18 16:19 | 2021-12-01 15:39 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated data points. Finding resolved. - Due Diligence Vendor-12/01/2021 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/01/2021 <br> Ready for Review-Document Uploaded. see attached this was in the original credit pkg - Seller-11/18/2021 <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) Coverage amount not listed on the Preliminary Report - Due Diligence Vendor-10/13/2021 | Ready for Review-Document Uploaded. see attached this was in the original credit pkg - Seller-11/18/2021 | Resolved-Updated data points. Finding resolved. - Due Diligence Vendor-12/01/2021 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/01/2021 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 126079 | N/A | N/A |
| XXXX | 56321 |  |  | Closed | 2021-11-22 15:58 | 2021-12-01 23:08 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Client provided details of calculations. Finding resolved. - Due Diligence Vendor-12/01/2021 <br>Ready for Review-Document Uploaded. - Seller-11/22/2021 <br>Counter-Please advise on how the Primary Residence expense was calculated. Credit Report shows $2121 and $3323 for the Principal & Interest. 1008 shows the Principal & Interest as $2675.27 and $3304.11<br> Please provide corrected final 1003 for the primary residence mortgage payments matching the credit report. - Due Diligence Vendor-11/16/2021 <br>Ready for Review-There are three wage earners in this deal. No Sch C's filed, therefore no P&L.<br> The subject's rent is input on pg 1 of the application and 75% occupancy rate resulting in a loss of $668.95 which is shown on the 1008 under 'Other Obligations' (debts).<br> The non-mortgage liabilities on the 1008 reflects the combined monthly payments from page two of the applications. These debts are imported from the initial credit reports.<br> - Seller-11/08/2021 <br>Open--P&I listed incorrectly on 1008 from what is listed on the credit reports<br> - Final 1003 propery income calculations are off causing discrepancy in DTI.<br> - Subject property should be losing money and not be in the positive<br> -1003/1008 showing incorrect credit liabilties than what is listed on the 10/5 credit report<br> - Due Diligence Vendor-10/22/2021 | Ready for Review-Document Uploaded. - Seller-11/22/2021 <br>Ready for Review-There are three wage earners in this deal. No Sch C's filed, therefore no P&L.<br> The subject's rent is input on pg 1 of the application and 75% occupancy rate resulting in a loss of $668.95 which is shown on the 1008 under 'Other Obligations' (debts).<br> The non-mortgage liabilities on the 1008 reflects the combined monthly payments from page two of the applications. These debts are imported from the initial credit reports.<br> - Seller-11/08/2021 | Resolved-Client provided details of calculations. Finding resolved. - Due Diligence Vendor-12/01/2021 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 139109 | N/A | N/A |
| XXXX | 57418 |  |  | Closed | 2022-01-11 22:06 | 2022-01-27 18:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Dry funding state. Settlement Statement Approved by Client. Finding resolved. - Due Diligence Vendor-01/27/2022 <br> Ready for Review-\*\*Waiting for further review. 1/17/2021 KW\*\* - Due Diligence Vendor-01/17/2022 <br> Ready for Review-California Transaction, notary acknowledgement date will not be same as closing date. The notary acknowledgment date will be the same as signing date only. Final HUD provided is accurate - Seller-01/11/2022 <br> Counter-Final HUD-1 Closing Date of XX/XX/XXXX is not the same date as the Notary Acknowledgement Date of XX/XX/XXXX. Please provide corrected HUD-1 to reflect Closing/Signing Date XX/XX/XXXX. - Due Diligence Vendor-12/04/2021 <br> Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/04/2021 <br> Ready for Review-Document Uploaded. - Seller-12/02/2021 <br> Open-Missing Final HUD. Please provide certified Final HUD/Settlement Statement. - Due Diligence Vendor-11/12/2021 <br> Acknowledged-Final HUD-1 Document is Missing - Due Diligence Vendor-11/09/2021 | Ready for Review-California Transaction, notary acknowledgement date will not be same as closing date. The notary acknowledgment date will be the same as signing date only. Final HUD provided is accurate - Seller-01/11/2022 <br>Ready for Review-Document Uploaded. - Seller-12/02/2021 | Resolved-Dry funding state. Settlement Statement Approved by Client. Finding resolved. - Due Diligence Vendor-01/27/2022 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/04/2021 <br>Acknowledged-Final HUD-1 Document is Missing - Due Diligence Vendor-11/09/2021 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 159934 | N/A | N/A |
| XXXX | 57422 |  |  | Closed | 2021-11-12 19:33 | 2023-03-06 21:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Borrower provided originator with letter of explanation and exception granted for both Housing History exception and prior listing exception - Due Diligence Vendor-03/06/2023 <br>Resolved-Housing History Does Not Meet Guideline Requirements Housing History does not meet GL Requirements. Exception in file, page 4cr. Finding resolved. - Due Diligence Vendor-11/12/2021 <br>Open-Housing History Does Not Meet Guideline Requirements Housing History does not meet GL Requirements. Exception in file, page 4cr. Finding resolved. - Due Diligence Vendor-11/12/2021 |  | Waived-Borrower provided originator with letter of explanation and exception granted for both Housing History exception and prior listing exception - Due Diligence Vendor-03/06/2023 <br>Resolved-Housing History Does Not Meet Guideline Requirements Housing History does not meet GL Requirements. Exception in file, page 4cr. Finding resolved. - Due Diligence Vendor-11/12/2021 |  |  | FICO 735<br> Reserves 55months<br> DSCR 1.34 | CA | Investment | Refinance | Cash Out - Other | 163800 | Originator Pre-Close | Yes |
| XXXX | 57422 |  |  | Closed | 2021-11-23 19:32 | 2021-12-02 15:07 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Effective date is prior to Disbursement date. Finding resolved. - Due Diligence Vendor-12/02/2021 <br> Ready for Review-Document Uploaded. loan disbursed XXXX see attached settlement statement - Seller-11/23/2021 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-11/12/2021 <br> Open- - Due Diligence Vendor-11/12/2021 <br> Acknowledged-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-11/09/2021 | Ready for Review-Document Uploaded. loan disbursed XXXX see attached settlement statement - Seller-11/23/2021 | Resolved-Effective date is prior to Disbursement date. Finding resolved. - Due Diligence Vendor-12/02/2021 <br> Acknowledged-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-11/09/2021 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 159861 | N/A | N/A |
| XXXX | 57422 |  |  | Closed | 2021-11-23 19:31 | 2021-12-02 15:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Client provided Final HUD-1 Settlement Statement. Finding resolved. - Due Diligence Vendor-12/02/2021 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/02/2021 <br>Ready for Review-Document Uploaded. Final Settlement Statement attached - Seller-11/23/2021 <br>Open-Missing Final HUD. Please provide certified Final HUD/Settlement Statement. - Due Diligence Vendor-11/12/2021 <br>Acknowledged-Final HUD-1 Document is Missing - Due Diligence Vendor-11/09/2021 | Ready for Review-Document Uploaded. Final Settlement Statement attached - Seller-11/23/2021 | Resolved-Client provided Final HUD-1 Settlement Statement. Finding resolved. - Due Diligence Vendor-12/02/2021 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/02/2021 <br>Acknowledged-Final HUD-1 Document is Missing - Due Diligence Vendor-11/09/2021 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 159977 | N/A | N/A |
| XXXX | 57423 |  |  | Closed | 2021-11-23 19:34 | 2022-02-04 15:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Client provided Final HUD-1. Finding resolved. - Due Diligence Vendor-12/02/2021 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/02/2021 <br>Ready for Review-Document Uploaded. see attached final settlement statement - Seller-11/23/2021 <br>Open-Missing Final HUD. Please provide certified Final HUD/Settlement Statement. - Due Diligence Vendor-11/12/2021 <br>Acknowledged-Final HUD-1 Document is Missing - Due Diligence Vendor-11/09/2021 | Ready for Review-Document Uploaded. see attached final settlement statement - Seller-11/23/2021 | Resolved-Client provided Final HUD-1. Finding resolved. - Due Diligence Vendor-12/02/2021 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/02/2021 <br>Acknowledged-Final HUD-1 Document is Missing - Due Diligence Vendor-11/09/2021 | XXXX |  |  | CA | Investment | Purchase | NA | 160027 | N/A | N/A |
| XXXX | 57423 |  |  | Closed | 2021-12-23 20:35 | 2022-02-04 15:07 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-02/04/2022 <br> Resolved-Client provided Final HUD1/Settlement Statement. Finding resolved. - Due Diligence Vendor-12/27/2021 <br> Resolved-Client provided updated document as requested, this finding is resolved. - Due Diligence Vendor-12/27/2021 <br> Ready for Review-Document Uploaded. - Seller-12/23/2021 <br> Open-Final HUD-1 Closing Date of XXXX is not the same date as the Notary Acknowledgement Date of XXXX. - Due Diligence Vendor-12/02/2021 | Ready for Review-Document Uploaded. - Seller-12/23/2021 | Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-02/04/2022 <br>Resolved-Client provided Final HUD1/Settlement Statement. Finding resolved. - Due Diligence Vendor-12/27/2021 <br>Resolved-Client provided updated document as requested, this finding is resolved. - Due Diligence Vendor-12/27/2021 | XXXX |  |  | CA | Investment | Purchase | NA | 185979 | N/A | N/A |
| XXXX | 57423 |  |  | Closed | 2021-11-23 19:34 | 2021-12-02 14:29 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Effective date is prior to disbursement date. Finding resolved. - Due Diligence Vendor-12/02/2021 <br> Ready for Review-Document Uploaded. disbursed XXXX see attached - Seller-11/23/2021 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-11/12/2021 <br> Open- - Due Diligence Vendor-11/12/2021 <br> Acknowledged-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Insurance coverage is after the Note date. Note date is XXXX. Insurance Coverage on file is dated 10/29/2021. - Due Diligence Vendor-11/10/2021 <br> Acknowledged-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-11/09/2021 | Ready for Review-Document Uploaded. disbursed XXXX see attached - Seller-11/23/2021 | Resolved-Effective date is prior to disbursement date. Finding resolved. - Due Diligence Vendor-12/02/2021 <br> Acknowledged-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Insurance coverage is after the Note date. Note date is XXXX. Insurance Coverage on file is dated XXXX. - Due Diligence Vendor-11/10/2021 <br> Acknowledged-Hazard Insurance Effective Date of XXXX after the Note Date of XXXX - Due Diligence Vendor-11/09/2021 | XXXX |  |  | CA | Investment | Purchase | NA | 159906 | N/A | N/A |
| XXXX | 57425 |  |  | Closed | 2021-11-09 23:54 | 2021-11-12 19:17 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Fired in error. Appraisal Reinspection Fee is disclosed on every LE and CD. Finding rescinded. - Due Diligence Vendor-11/12/2021 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/09/2021 |  | Resolved-Fired in error. Appraisal Reinspection Fee is disclosed on every LE and CD. Finding rescinded. - Due Diligence Vendor-11/12/2021 |  |  |  | CA | Primary Residence | Purchase | NA | 160283 | N/A | N/A |
| XXXX | 57425 |  |  | Closed | 2021-11-09 23:54 | 2021-11-12 19:17 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Fired in error. Appraisal Reinspection Fee is disclosed on every LE and CD. Finding rescinded. - Due Diligence Vendor-11/12/2021 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/09/2021 |  | Resolved-Fired in error. Appraisal Reinspection Fee is disclosed on every LE and CD. Finding rescinded. - Due Diligence Vendor-11/12/2021 |  |  |  | CA | Primary Residence | Purchase | NA | 160282 | N/A | N/A |
| XXXX | 57747 |  |  | Closed | 2022-02-04 23:31 | 2022-02-07 20:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided Per client - Borrower is sole proprietor. Business license accepted in lieu of CPA letter. Acceptable per published guidelines - Due Diligence Vendor-02/07/2022 <br>Ready for Review-Document Uploaded. Borrower is sole proprietor. Business license accepted in lieu of CPA letter acceptable per published guidelines - Seller-02/04/2022 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-11/16/2021 | Ready for Review-Document Uploaded. Borrower is sole proprietor. Business license accepted in lieu of CPA letter acceptable per published guidelines - Seller-02/04/2022 | Resolved-Borrower 1 CPA Letter Provided Per client - Borrower is sole proprietor. Business license accepted in lieu of CPA letter. Acceptable per published guidelines - Due Diligence Vendor-02/07/2022 | BUSINESS LICENSE_CPA LETTER.pdf |  |  | CA | Primary Residence | Purchase | NA | 167875 | N/A | N/A |
| XXXX | 57694 |  |  | Closed | 2022-02-11 19:33 | 2023-03-06 14:13 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Gender Selection is Not Provided | Resolved-Borrower 2 Gender Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-02/11/2022 <br>Resolved-Client provided demographic addendum completed - Due Diligence Vendor-02/11/2022 <br>Ready for Review-Document Uploaded. - Seller-02/11/2022 <br>Open-Borrower 2 Gender Selection is Not Provided please provide completed demographic addendum - Due Diligence Vendor-11/17/2021 | Ready for Review-Document Uploaded. - Seller-02/11/2022 | Resolved-Borrower 2 Gender Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-02/11/2022 <br>Resolved-Client provided demographic addendum completed - Due Diligence Vendor-02/11/2022 | 3846_001.pdf |  |  | NV | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 169103 | N/A | N/A |
| XXXX | 57694 |  |  | Closed | 2022-02-11 19:33 | 2023-03-06 14:13 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Gender Selection is Not Provided | Resolved-Borrower 1 Gender Selection is Provided - Due Diligence Vendor-02/11/2022 <br>Resolved- - Due Diligence Vendor-02/11/2022 <br>Ready for Review-Document Uploaded. - Seller-02/11/2022 <br>Open-Borrower 1 Gender Selection is Not Provided please provide completed demographic addendum - Due Diligence Vendor-11/17/2021 | Ready for Review-Document Uploaded. - Seller-02/11/2022 | Resolved-Borrower 1 Gender Selection is Provided - Due Diligence Vendor-02/11/2022 | 3846_001.pdf |  |  | NV | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 169104 | N/A | N/A |
| XXXX | 57694 |  |  | Closed | 2022-02-11 19:34 | 2023-03-06 14:13 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-02/11/2022 <br>Resolved-Client provided demographic addendum completed - Due Diligence Vendor-02/11/2022 <br>Ready for Review-Document Uploaded. - Seller-02/11/2022 <br>Open-Borrower 1 Ethnicity Selection is Not Provided please provide completed demographic addendum - Due Diligence Vendor-11/17/2021 | Ready for Review-Document Uploaded. - Seller-02/11/2022 | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-02/11/2022 <br>Resolved-Client provided demographic addendum completed - Due Diligence Vendor-02/11/2022 | 3846_001.pdf |  |  | NV | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 169105 | N/A | N/A |
| XXXX | 57694 |  |  | Closed | 2022-02-11 19:34 | 2023-03-06 14:13 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Race Selection is Not Provided | Resolved-Borrower 2 Race Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-02/11/2022 <br>Resolved-Client provided demographic addendum completed - Due Diligence Vendor-02/11/2022 <br>Ready for Review-Document Uploaded. - Seller-02/11/2022 <br>Open-Borrower 2 Race Selection is Not Provided - Due Diligence Vendor-11/17/2021 | Ready for Review-Document Uploaded. - Seller-02/11/2022 | Resolved-Borrower 2 Race Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-02/11/2022 <br>Resolved-Client provided demographic addendum completed - Due Diligence Vendor-02/11/2022 | 3846_001.pdf |  |  | NV | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 169730 | N/A | N/A |
| XXXX | 57694 |  |  | Closed | 2022-02-11 19:34 | 2023-03-06 14:13 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-02/11/2022 <br>Resolved-Client provided demographic addendum completed - Due Diligence Vendor-02/11/2022 <br>Ready for Review-Document Uploaded. - Seller-02/11/2022 <br>Open-Borrower 1 Race Selection is Not Provided please provide completed demographic addendum - Due Diligence Vendor-11/17/2021 | Ready for Review-Document Uploaded. - Seller-02/11/2022 | Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-02/11/2022 <br>Resolved-Client provided demographic addendum completed - Due Diligence Vendor-02/11/2022 | 3846_001.pdf |  |  | NV | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 169731 | N/A | N/A |
| XXXX | 57694 |  |  | Closed | 2022-02-11 19:34 | 2023-03-06 14:13 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Ethnicity Selection is Not Provided | Resolved-Borrower 2 Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-02/11/2022 <br>Resolved-Client provide demographic addendum - Due Diligence Vendor-02/11/2022 <br>Ready for Review-Document Uploaded. - Seller-02/11/2022 <br>Open-Borrower 2 Ethnicity Selection is Not Provided please provide completed demographic addendum - Due Diligence Vendor-11/17/2021 | Ready for Review-Document Uploaded. - Seller-02/11/2022 | Resolved-Borrower 2 Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-02/11/2022 <br>Resolved-Client provide demographic addendum - Due Diligence Vendor-02/11/2022 | 3846_001.pdf |  |  | NV | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 169732 | N/A | N/A |
| XXXX | 57694 |  |  | Closed | 2022-02-11 19:36 | 2022-02-11 21:39 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Client provided updated 1008 - Due Diligence Vendor-02/11/2022 <br>Ready for Review-Document Uploaded. - Seller-02/11/2022 <br>Open-There is mismatch of Borrower 1 Income on Final 1003 and 1008 Document. Taxes Mismatch on 1008 and Title. Due to that HTI and DTI is mismatching as per document. Please provide updated 1008 Document. - Due Diligence Vendor-11/18/2021 | Ready for Review-Document Uploaded. - Seller-02/11/2022 | Resolved-Client provided updated 1008 - Due Diligence Vendor-02/11/2022 | transmittal_19_pdf.pdf |  |  | NV | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 171147 | N/A | N/A |
| XXXX | 57694 |  |  | Closed | 2022-02-11 19:36 | 2022-02-11 20:53 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/11/2022 <br>Ready for Review-Document Uploaded. - Seller-02/11/2022 <br>Open-Provide Updated 1008 Document. Borrower 1 Income Mismatch on Final 1003 and 1008 Document. Due to that HTI and DTI is mismatching. - Due Diligence Vendor-11/18/2021 | Ready for Review-Document Uploaded. - Seller-02/11/2022 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/11/2022 | transmittal_19_pdf.pdf |  |  | NV | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 171455 | N/A | N/A |
| XXXX | 57726 |  |  | Closed | 2022-02-11 19:42 | 2022-02-15 17:45 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Ready for Review-Document Uploaded. Final CD attached confirms Disbursement date XXXX therefore no recission violation - Seller-02/11/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. RTC Dates are updated Accurately as Per the Document Still Getting this Error. - Due Diligence Vendor-11/17/2021 | Ready for Review-Document Uploaded. Final CD attached confirms Disbursement date XXXX therefore no recission violation - Seller-02/11/2022 |  | FINAL HUD-1 SIGNED.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 169854 | N/A | N/A |
| XXXX | 57726 |  |  | Closed | 2022-02-11 19:41 | 2022-02-11 22:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-02/11/2022 <br>Ready for Review-Document Uploaded. Business license is acceptable in lieu of CPA letter - Seller-02/11/2022 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-11/17/2021 | Ready for Review-Document Uploaded. Business license is acceptable in lieu of CPA letter - Seller-02/11/2022 | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-02/11/2022 | BUSINESS LICENSE_CPA LETTER (1).pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 169699 | N/A | N/A |
| XXXX | 57728 |  |  | Closed | 2022-02-18 17:51 | 2022-02-18 20:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD received. Finding resolved. - Due Diligence Vendor-02/18/2022 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/18/2022 <br>Ready for Review-Document Uploaded. - Seller-02/18/2022 <br>Open-Final HUD-1 Document is Missing Final HUD-1 Document is Missing. Settlement Statement in file is not certified as Final. - Due Diligence Vendor-11/17/2021 | Ready for Review-Document Uploaded. - Seller-02/18/2022 | Resolved-Final HUD received. Finding resolved. - Due Diligence Vendor-02/18/2022 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/18/2022 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 169801 | N/A | N/A |
| XXXX | 57733 |  |  | Closed | 2022-02-23 15:54 | 2022-02-23 16:00 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Date Test | Resolved-Tolerance cure received, PCCD and proof of reimbursement. Finding is resolved. - Due Diligence Vendor-02/23/2022 <br>Open-This loan failed the reimbursement date test. (12 CFR §1026.19(f)(2)(v))The reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation. - Due Diligence Vendor-02/23/2022 |  | Resolved-Tolerance cure received, PCCD and proof of reimbursement. Finding is resolved. - Due Diligence Vendor-02/23/2022 |  |  |  | CA | Primary Residence | Purchase | NA | 314897 | N/A | N/A |
| XXXX | 57733 |  |  | Closed | 2022-02-22 22:06 | 2022-02-23 16:00 | Resolved | 2 - Non-Material B A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-02/23/2022 <br>Ready for Review-Tolerance cure received, PCCD and proof of reimbursement. Finding is resolved. - Due Diligence Vendor-02/23/2022 <br>Ready for Review-Document Uploaded. - Seller-02/22/2022 <br>Open-$33 zero % tolerance due to added fee Affidavit of Death on the PCCD 1/11/2022 without a valid Change Of Circumstance (COC). Tolerance requires a valid Change of Circumstance (COC), PCCD, and proof of reimbursement with proof of delivery (mailing label). - Due Diligence Vendor-02/18/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $33.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/18/2022 | Ready for Review-Document Uploaded. - Seller-02/22/2022 |  | XXXX |  |  | CA | Primary Residence | Purchase | NA | 309686 | N/A | N/A |
| XXXX | 57733 |  |  | Closed | 2022-02-22 22:07 | 2022-02-23 15:54 | Resolved | 2 - Non-Material B A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-02/23/2022 <br>Ready for Review-Document Uploaded. - Seller-02/22/2022 <br>Open-$33 zero % tolerance due to added fee Affidavit of Death on the PCCD 1/11/2022 without a valid Change Of Circumstance (COC). Tolerance requires a valid Change of Circumstance (COC), PCCD, and proof of reimbursement with proof of delivery (mailing label). - Due Diligence Vendor-02/18/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/18/2022 | Ready for Review-Document Uploaded. - Seller-02/22/2022 | Resolved-Resolved - Due Diligence Vendor-02/23/2022 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 309684 | N/A | N/A |
| XXXX | 57733 |  |  | Closed | 2022-02-22 22:07 | 2022-02-23 15:54 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-02/23/2022 <br>Ready for Review-Document Uploaded. - Seller-02/22/2022 <br>Open-$33 zero % tolerance due to added fee Affidavit of Death on the PCCD 1/11/2022 without a valid Change Of Circumstance (COC). Tolerance requires a valid Change of Circumstance (COC), PCCD, and proof of reimbursement with proof of delivery (mailing label). - Due Diligence Vendor-02/18/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/18/2022 | Ready for Review-Document Uploaded. - Seller-02/22/2022 | Resolved-Resolved - Due Diligence Vendor-02/23/2022 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 309685 | N/A | N/A |
| XXXX | 57733 |  |  | Closed | 2022-02-22 22:06 | 2022-02-23 15:54 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Reason for Redisclosure Validation Test | Resolved-Resolved - Due Diligence Vendor-02/23/2022 <br>Ready for Review-Document Uploaded. - Seller-02/22/2022 <br>Open-$33 zero % tolerance due to added fee Affidavit of Death on the PCCD 1/11/2022 without a valid Change Of Circumstance (COC). Tolerance requires a valid Change of Circumstance (COC), PCCD, and proof of reimbursement with proof of delivery (mailing label). - Due Diligence Vendor-02/18/2022 <br>Open-This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. - Due Diligence Vendor-02/18/2022 | Ready for Review-Document Uploaded. - Seller-02/22/2022 | Resolved-Resolved - Due Diligence Vendor-02/23/2022 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 309693 | N/A | N/A |
| XXXX | 57733 |  |  | Closed | 2022-02-18 16:30 | 2022-02-18 16:35 | Resolved | 1 - Information C A | Compliance | TRID | Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test | Resolved-This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test.(12 CFR §1026.19(f)(2)(iv))The post-consummation reason for redisclosure is "non-numeric clerical error" and the post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Changes due to clerical errors. A creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i) contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than 60 days after consummation. - Due Diligence Vendor-02/18/2022 |  | Resolved-This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test.(12 CFR §1026.19(f)(2)(iv))The post-consummation reason for redisclosure is "non-numeric clerical error" and the post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Changes due to clerical errors. A creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i) contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than 60 days after consummation. - Due Diligence Vendor-02/18/2022 |  |  |  | CA | Primary Residence | Purchase | NA | 309687 | N/A | N/A |
| XXXX | 57733 |  |  | Closed | 2022-02-18 16:30 | 2022-02-18 16:33 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved-Resolved - Due Diligence Vendor-02/18/2022 <br>Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-02/18/2022 |  | Resolved-Resolved - Due Diligence Vendor-02/18/2022 |  |  |  | CA | Primary Residence | Purchase | NA | 309683 | N/A | N/A |
| XXXX | 57733 |  |  | Closed | 2021-11-18 15:49 | 2022-02-18 16:28 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($712.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($713.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/18/2021 <br>Resolved-Resolved - Due Diligence Vendor-02/18/2022 <br>Rescinded-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($712.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($713.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Due to Rounding. Finding rescinded. - Due Diligence Vendor-11/22/2021 |  | Resolved-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($712.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($713.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/18/2021 <br>Resolved-Resolved - Due Diligence Vendor-02/18/2022 <br>Rescinded-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($712.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($713.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Due to Rounding. Finding rescinded. - Due Diligence Vendor-11/22/2021 |  |  |  | CA | Primary Residence | Purchase | NA | 170651 | N/A | N/A |
| XXXX | 57733 |  |  | Closed | 2021-11-18 15:49 | 2022-02-18 16:28 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i))The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-11/18/2021 <br> Resolved-Resolved - Due Diligence Vendor-02/18/2022 <br> Rescinded-This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i))The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). Updated data points. Finding rescinded. - Due Diligence Vendor-11/22/2021 |  | Resolved-This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i))The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-11/18/2021 <br>Resolved-Resolved - Due Diligence Vendor-02/18/2022 <br>Rescinded-This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i))The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). Updated data points. Finding rescinded. - Due Diligence Vendor-11/22/2021 |  |  |  | CA | Primary Residence | Purchase | NA | 170653 | N/A | N/A |
| XXXX | 57733 |  |  | Closed | 2022-02-17 17:09 | 2022-02-18 16:25 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Resolved - Due Diligence Vendor-02/18/2022 <br> Ready for Review-Document Uploaded. We go off the disbursement date of XXXX - Seller-02/17/2022 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. CD XXXX, signed by Borrower at closing XXXX, reflects funding date of XXXX. Please provide Final PCCD to reflect correct funding/disbursement dates and updated per diem and fees. - Due Diligence Vendor-11/22/2021 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-11/18/2021 | Ready for Review-Document Uploaded. We go off the disbursement date of XXXX - Seller-02/17/2022 | Resolved-Resolved - Due Diligence Vendor-02/18/2022 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 170654 | N/A | N/A |
| XXXX | 57738 |  |  | Closed | 2023-03-06 17:06 | 2023-03-06 17:24 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($728.75) does not exceed or equal the comparable sum of specific and non-specific lender credits ($729.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/06/2023 |  |  |  |  |  | CA | Primary Residence | Purchase | NA | 879749 | N/A | N/A |
| XXXX | 57743 |  |  | Closed | 2022-02-22 22:13 | 2023-03-09 18:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-03/09/2023 <br>Resolved-Client provided Flood Declaration document uploaded resolved - Due Diligence Vendor-02/23/2022 <br>Ready for Review-Document Uploaded. - Seller-02/22/2022 <br>Open-Missing Flood Insurance Policy. Flood Cert specifies Zone A99. - Due Diligence Vendor-11/17/2021 | Ready for Review-Document Uploaded. - Seller-02/22/2022 | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-03/09/2023 <br>Resolved-Client provided Flood Declaration document uploaded resolved - Due Diligence Vendor-02/23/2022 | XXXX |  |  | CA | Investment | Purchase | NA | 169592 | N/A | N/A |
| XXXX | 57743 |  |  | Closed | 2022-02-17 19:25 | 2022-02-18 20:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/18/2022 <br>Ready for Review-Document Uploaded. - Seller-02/17/2022 <br>Open-Final HUD-1 Document is Missing Final HUD-1 Settlement Statement is Missing. - Due Diligence Vendor-11/17/2021 | Ready for Review-Document Uploaded. - Seller-02/17/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/18/2022 | XXXX |  |  | CA | Investment | Purchase | NA | 169624 | N/A | N/A |
| XXXX | 57749 |  |  | Closed | 2022-02-22 17:29 | 2022-02-23 19:06 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Client provided Hazard insurance declaration document uploaded resolved - Due Diligence Vendor-02/23/2022 <br> Ready for Review-The HOI uploaded is for XXXX - XXXX the HOI provided in the credit package is for XXXX - XXXX. Transaction is REFI - Seller-02/22/2022 <br> Counter-This loan funded on XXXX. Insurance policy has date effective XXXX. Need updated policy with effective date of XXXX - Due Diligence Vendor-02/18/2022 <br> Ready for Review-Document Uploaded. - Seller-02/18/2022 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX is after the Settlement /Disbursement Date of XXXX. - Due Diligence Vendor-11/17/2021 | Ready for Review-The HOI uploaded is for XXXX - XXXX the HOI provided in the credit package is for XXXX - XXXX. Transaction is REFI - Seller-02/22/2022 <br> Ready for Review-Document Uploaded. - Seller-02/18/2022 | Resolved-Client provided Hazard insurance declaration document uploaded resolved - Due Diligence Vendor-02/23/2022 | XXXX |  |  | IL | Investment | Refinance | No Cash Out - Borrower Initiated | 169269 | N/A | N/A |
| XXXX | #N/A |  |  | Closed | 2021-12-08 21:46 | 2022-02-01 22:10 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; Missing changed circumstance documentation. | Resolved- - Due Diligence Vendor-02/01/2022 <br>Rescinded-Client provided the rebuttal advise the calculation used was rounded to the nearest dollar. Loan estimator provided - Due Diligence Vendor-01/27/2022 <br>Rescinded-Updated data points. Finding rescinded. - Due Diligence Vendor-12/09/2021 <br>Ready for Review-Document Uploaded. see attache - Seller-12/08/2021 <br>Open-There is one fee Loan Origination Fee which got increase from $6311 to $6311.25 for which valid CIC is not available. Please provide. - Due Diligence Vendor-11/23/2021 | Ready for Review-Document Uploaded. see attache - Seller-12/08/2021 | Rescinded-Client provided the rebuttal advise the calculation used was rounded to the nearest dollar. Loan estimator provided - Due Diligence Vendor-01/27/2022 <br>Rescinded-Updated data points. Finding rescinded. - Due Diligence Vendor-12/09/2021 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 175802 | N/A | N/A |
| XXXX | #N/A |  |  | Closed | 2021-12-10 22:51 | 2021-12-23 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Client provided missing VOE. Finding resolved. - Due Diligence Vendor-12/23/2021 <br>Ready for Review-Document Uploaded. - Seller-12/10/2021 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/22/2021 | Ready for Review-Document Uploaded. - Seller-12/10/2021 | Resolved-Client provided missing VOE. Finding resolved. - Due Diligence Vendor-12/23/2021 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 174675 | N/A | N/A |
| XXXX | #N/A |  |  | Closed | 2021-12-08 21:46 | 2021-12-09 15:34 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Updated data points. Finding resolved. - Due Diligence Vendor-12/09/2021 <br>Resolved-Resolved - Due Diligence Vendor-12/09/2021 <br>Ready for Review-please see the documents uploaded for the same issue - Seller-12/08/2021 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. There is one fee Loan Origination Fee which got increase from $6311 to $6311.25 for which valid CIC is not available. Please provide. - Due Diligence Vendor-11/22/2021 | Ready for Review-please see the documents uploaded for the same issue - Seller-12/08/2021 | Resolved-Updated data points. Finding resolved. - Due Diligence Vendor-12/09/2021 <br>Resolved-Resolved - Due Diligence Vendor-12/09/2021 |  |  |  | CA | Primary Residence | Purchase | NA | 175799 | N/A | N/A |
| XXXX | #N/A |  |  | Closed | 2021-12-08 21:45 | 2021-12-09 15:34 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Updated data points. Finding resolved. - Due Diligence Vendor-12/09/2021 <br>Resolved-Resolved - Due Diligence Vendor-12/09/2021 <br>Ready for Review-Document Uploaded. see attached rebuttal - Seller-12/08/2021 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. There is one fee Loan Origination Fee which got increase from $6311 to $6311.25 for which valid CIC is not available. Please provide. - Due Diligence Vendor-11/22/2021 | Ready for Review-Document Uploaded. see attached rebuttal - Seller-12/08/2021 | Resolved-Updated data points. Finding resolved. - Due Diligence Vendor-12/09/2021 <br>Resolved-Resolved - Due Diligence Vendor-12/09/2021 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 175800 | N/A | N/A |
| XXXX | #N/A |  |  | Closed | 2021-12-08 21:44 | 2021-12-09 15:34 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Updated data points. Finding resolved. - Due Diligence Vendor-12/09/2021 <br>Ready for Review-Document Uploaded. see attached rebuttal - Seller-12/08/2021 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.25.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). There is one fee Loan Origination Fee which got increase from $6311 to $6311.25 for which valid CIC is not available. Please provide. - Due Diligence Vendor-11/22/2021 | Ready for Review-Document Uploaded. see attached rebuttal - Seller-12/08/2021 | Resolved-Updated data points. Finding resolved. - Due Diligence Vendor-12/09/2021 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 175801 | N/A | N/A |
| XXXX | 57704 |  |  | Closed | 2022-03-04 23:00 | 2022-03-07 16:56 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; Missing changed circumstance documentation. | Resolved- - Due Diligence Vendor-03/07/2022 <br>Ready for Review-Document Uploaded. - Seller-03/04/2022 <br>Open-There is one fee Electronic Recording Service Fee which got increase from by $6 for which valid CIC is not available. Please provide. - Due Diligence Vendor-11/23/2021 | Ready for Review-Document Uploaded. - Seller-03/04/2022 |  | 4901_001.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 177347 | N/A | N/A |
| XXXX | 57704 |  |  | Closed | 2022-03-04 23:00 | 2022-03-07 16:56 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Ready for Review-Document Uploaded. - Seller-03/04/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. There is one fee Electronic Recording Service Fee which got increase from by $6 for which valid CIC is not available. Please provide. - Due Diligence Vendor-11/23/2021 | Ready for Review-Document Uploaded. - Seller-03/04/2022 |  | 4901_001.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 177348 | N/A | N/A |
| XXXX | 57704 |  |  | Closed | 2022-03-04 23:00 | 2022-03-07 16:56 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Ready for Review-Document Uploaded. - Seller-03/04/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. There is one fee Electronic Recording Service Fee which got increase from by $6 for which valid CIC is not available. Please provide. - Due Diligence Vendor-11/23/2021 | Ready for Review-Document Uploaded. - Seller-03/04/2022 |  | 4901_001.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 177349 | N/A | N/A |
| XXXX | 57704 |  |  | Closed | 2022-03-04 23:01 | 2022-03-07 16:56 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Ready for Review-Document Uploaded. - Seller-03/04/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $41.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). There is one fee Electronic Recording Service Fee which got increase from by $6 for which valid CIC is not available. Please provide. - Due Diligence Vendor-11/23/2021 | Ready for Review-Document Uploaded. - Seller-03/04/2022 |  | 4901_001.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 177350 | N/A | N/A |
| XXXX | 57734 |  |  | Closed | 2022-03-04 21:25 | 2023-03-06 17:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/07/2022 <br>Ready for Review-Document Uploaded. - Seller-03/04/2022 <br>Open-Final HUD-1 Document is Missing Missing Final HUD/Settlement Statement. File contains Estimated Closing Statement only. Please provide certified Final HUD/Settlement Statement from the Title Company. - Due Diligence Vendor-11/23/2021 | Ready for Review-Document Uploaded. - Seller-03/04/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/07/2022 | Final Master Statement.pdf |  |  | CA | Investment | Purchase | NA | 176775 | N/A | N/A |
| XXXX | 58089 |  |  | Closed | 2022-03-04 21:50 | 2023-03-03 10:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/07/2022 <br>Ready for Review-Document Uploaded. - Seller-03/04/2022 <br>Open- Final HUD-1 Document is Missing, please provide. - Due Diligence Vendor-02/16/2022 <br>Open-Final HUD-1 Document is Missing - Due Diligence Vendor-11/23/2021 | Ready for Review-Document Uploaded. - Seller-03/04/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/07/2022 | 2505338.pdf |  |  | CA | Investment | Purchase | NA | 177283 | N/A | N/A |
| XXXX | 57686 |  |  | Closed | 2022-03-14 16:57 | 2023-03-06 17:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved- - Due Diligence Vendor-03/15/2022 <br>Ready for Review-Document Uploaded. - Seller-03/14/2022 <br>Open-Please provide Final Hud-1 - Due Diligence Vendor-03/04/2022 <br>Open- - Due Diligence Vendor-03/04/2022 <br>Rescinded- - Due Diligence Vendor-03/02/2022 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/02/2022 <br>Open-Final HUD-1 Document is Missing - Due Diligence Vendor-11/29/2021 | Ready for Review-Document Uploaded. - Seller-03/14/2022 | Resolved- - Due Diligence Vendor-03/15/2022 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/02/2022 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 179879 | N/A | N/A |
| XXXX | 57687 |  |  | Closed | 2022-03-07 19:48 | 2023-03-14 21:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-09/28/2022 <br>Resolved-Borrower can use cash out for reserves. - Due Diligence Vendor-03/08/2022 <br>Ready for Review-Qualified using personal bank statements with P & L as per program guidelines, business bank stmts not require - Seller-03/07/2022 <br>Open-Bank Statement Missing - Due Diligence Vendor-11/29/2021 | Ready for Review-Qualified using personal bank statements with P & L as per program guidelines, business bank stmts not require - Seller-03/07/2022 | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-09/28/2022 <br>Resolved-Borrower can use cash out for reserves. - Due Diligence Vendor-03/08/2022 |  |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 179413 | N/A | N/A |
| XXXX | 57687 |  |  | Closed | 2022-04-07 22:58 | 2022-09-29 15:44 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-entered COC, re-ran CE. Finding was resolved. - Due Diligence Vendor-04/11/2022 <br>Ready for Review-Document Uploaded. - Seller-04/07/2022 <br>Open-Credit fee went up by $20 with no coc please provide COC or PCCD - Due Diligence Vendor-03/10/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,145.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/10/2022 | Ready for Review-Document Uploaded. - Seller-04/07/2022 | Resolved-entered COC, re-ran CE. Finding was resolved. - Due Diligence Vendor-04/11/2022 | changeofcircumstancesnew (4).pdf |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 342920 | N/A | N/A |
| XXXX | 57687 |  |  | Closed | 2022-04-11 13:55 | 2022-09-29 15:36 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved- - Due Diligence Vendor-04/11/2022 <br>Open-This loan failed the TRID total of payments test. (12 CFR §1026.38(o)(1))The total of payments is $269,124.00. The disclosed total of payments of $268,795.44 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-04/11/2022 |  |  |  |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 392939 | N/A | N/A |
| XXXX | 57687 |  |  | Closed | 2022-04-07 22:56 | 2022-04-11 13:58 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Entered coc, re-ran CE. Finding was resolved. - Due Diligence Vendor-04/11/2022 <br>Ready for Review-Document Uploaded. - Seller-04/07/2022 <br>Open-Please provide a COC - Due Diligence Vendor-03/15/2022 <br>Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $117,877.44. The disclosed finance charge of $117,632.44 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-03/15/2022 | Ready for Review-Document Uploaded. - Seller-04/07/2022 | Resolved-Entered coc, re-ran CE. Finding was resolved. - Due Diligence Vendor-04/11/2022 | SETTLEMENT STATEMENT (3).pdf |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 349294 | N/A | N/A |
| XXXX | 57687 |  |  | Closed | 2022-04-07 22:57 | 2022-04-11 13:55 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Ready for Review-Document Uploaded. - Seller-04/07/2022 <br>Open-Please provide a COC to resolve - Due Diligence Vendor-03/15/2022 <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $117,877.44. The disclosed finance charge of $117,632.44 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-03/15/2022 | Ready for Review-Document Uploaded. - Seller-04/07/2022 |  | SETTLEMENT STATEMENT (3).pdf |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 349295 | N/A | N/A |
| XXXX | 57687 |  |  | Closed | 2022-03-10 17:16 | 2022-04-08 15:22 | Resolved | 1 - Information C A | Compliance | TRID | CD: Liability After Foreclosure Not Complete | Resolved-CD: Liability After Foreclosure Complete - Due Diligence Vendor-03/10/2022 <br>Ready for Review-Document Uploaded. - Seller-03/10/2022 <br>Counter-Please provide Final CD the initial CD was sent in we need the Final and not the PCCD - Due Diligence Vendor-03/08/2022 <br>Ready for Review-Document Uploaded. - Seller-03/07/2022 <br>Open-CD: Liability After Foreclosure Not Complete - Due Diligence Vendor-11/29/2021 | Ready for Review-Document Uploaded. - Seller-03/10/2022 <br>Ready for Review-Document Uploaded. - Seller-03/07/2022 | Resolved-CD: Liability After Foreclosure Complete - Due Diligence Vendor-03/10/2022 | XXXX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 179581 | N/A | N/A |
| XXXX | 57687 |  |  | Closed | 2022-03-10 17:16 | 2022-04-08 15:22 | Resolved | 1 - Information C A | Compliance | TRID | CD: Refinance Statement Not Present | Resolved-CD: Refinance Statement Present - Due Diligence Vendor-03/10/2022 <br>Ready for Review-Document Uploaded. - Seller-03/10/2022 <br>Counter- - Due Diligence Vendor-03/08/2022 <br>Ready for Review-Document Uploaded. - Seller-03/07/2022 <br>Open-CD: Refinance Statement Not Present - Due Diligence Vendor-11/29/2021 | Ready for Review-Document Uploaded. - Seller-03/10/2022 <br>Ready for Review-Document Uploaded. - Seller-03/07/2022 | Resolved-CD: Refinance Statement Present - Due Diligence Vendor-03/10/2022 | XXXX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 179583 | N/A | N/A |
| XXXX | 57687 |  |  | Closed | 2022-04-07 22:56 | 2022-04-08 15:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/08/2022 <br>Ready for Review-Document Uploaded. - Seller-04/07/2022 <br>Open-TRID: Missing Final Closing Disclosure The final CD is missing, there is no signature from the borrower on the one you provided dated 3.7.22 - Due Diligence Vendor-03/15/2022 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/10/2022 <br>Ready for Review-Document Uploaded. - Seller-03/10/2022 <br>Counter-Please provide Final CD the initial CD was sent in we need the Final and not the PCCD - Due Diligence Vendor-03/08/2022 <br>Resolved-Client provided Closing Disclosure document uploaded resolved - Due Diligence Vendor-02/23/2022 <br>Ready for Review-Document Uploaded. - Seller-02/22/2022 <br>Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-11/29/2021 | Ready for Review-Document Uploaded. - Seller-04/07/2022 <br>Ready for Review-Document Uploaded. - Seller-03/10/2022 <br>Ready for Review-Document Uploaded. - Seller-02/22/2022 | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/08/2022 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/10/2022 <br>Resolved-Client provided Closing Disclosure document uploaded resolved - Due Diligence Vendor-02/23/2022 | XXXX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 179582 | N/A | N/A |
| XXXX | 57687 |  |  | Closed | 2022-03-10 17:16 | 2022-04-08 15:22 | Resolved | 1 - Information C A | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-CD: General Form Requirements Met - Due Diligence Vendor-03/10/2022 <br>Ready for Review-Document Uploaded. - Seller-03/10/2022 <br>Counter-Please provide Final CD the initial CD was sent in we need the Final and not the PCCD - Due Diligence Vendor-03/08/2022 <br>Ready for Review-Document Uploaded. - Seller-03/07/2022 <br>Open-CD: General Form Requirements Not Met - Due Diligence Vendor-11/29/2021 | Ready for Review-Document Uploaded. - Seller-03/10/2022 <br>Ready for Review-Document Uploaded. - Seller-03/07/2022 | Resolved-CD: General Form Requirements Met - Due Diligence Vendor-03/10/2022 | XXXX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 179584 | N/A | N/A |
| XXXX | 57687 |  |  | Closed | 2022-03-10 20:24 | 2022-03-10 21:30 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i))The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-03/10/2022 |  |  |  |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 342917 | N/A | N/A |
| XXXX | 57687 |  |  | Closed | 2022-02-22 19:26 | 2022-03-08 18:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/08/2022 <br>Resolved-Client provided final 1003 document uploaded resolved - Due Diligence Vendor-02/23/2022 <br>Ready for Review-Document Uploaded. - Seller-02/22/2022 <br>Open-Subject property needs to be added to the real estate section - Due Diligence Vendor-11/30/2021 | Ready for Review-Document Uploaded. - Seller-02/22/2022 | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/08/2022 <br>Resolved-Client provided final 1003 document uploaded resolved - Due Diligence Vendor-02/23/2022 | XXXX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 182802 | N/A | N/A |
| XXXX | 57687 |  |  | Closed | 2022-02-22 19:25 | 2022-02-23 16:51 | Resolved | 1 - Information C A | Credit | Closing | Gap Credit Report Within 10 Days of Closing is Expired | Resolved-Client provided Gap report document uploaded resolved - Due Diligence Vendor-02/23/2022 <br> Ready for Review-Document Uploaded. - Seller-02/22/2022 <br> Open-Gap Credit Report Date of XXXX is greater than 10 days from Transaction Date of XXXX and Gap Report Doc Status is Present - Due Diligence Vendor-11/29/2021 | Ready for Review-Document Uploaded. - Seller-02/22/2022 | Resolved-Client provided Gap report document uploaded resolved - Due Diligence Vendor-02/23/2022 | XXXX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 179440 | N/A | N/A |
| XXXX | 57689 |  |  | Closed | 2022-02-17 19:54 | 2023-03-03 17:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Gap Credit Report | Resolved-Gap Credit Report is Provided or Not Applicable - Due Diligence Vendor-02/23/2022 <br>Resolved-Gap report not required for DSCR loans. - Due Diligence Vendor-02/18/2022 <br>Ready for Review-Gap Credit Report is not required on DSCR Loan Program - Seller-02/17/2022 <br>Open-Gap Credit Report is Missing - Due Diligence Vendor-11/29/2021 | Ready for Review-Gap Credit Report is not required on DSCR Loan Program - Seller-02/17/2022 | Resolved-Gap Credit Report is Provided or Not Applicable - Due Diligence Vendor-02/23/2022 <br>Resolved-Gap report not required for DSCR loans. - Due Diligence Vendor-02/18/2022 |  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 180116 | N/A | N/A |
| XXXX | 57689 |  |  | Closed | 2022-02-14 19:36 | 2022-02-16 15:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/16/2022 <br>Ready for Review-Document Uploaded. - Seller-02/14/2022 <br>Open-Final HUD-1 Document is Missing - Due Diligence Vendor-11/29/2021 | Ready for Review-Document Uploaded. - Seller-02/14/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/16/2022 | SETTLEMENT STATEMENT.pdf |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 180525 | N/A | N/A |
| XXXX | 57690 |  |  | Closed | 2022-02-17 20:04 | 2023-03-03 18:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/18/2022 <br>Ready for Review-Document Uploaded. - Seller-02/17/2022 <br>Open-Final HUD-1 Document is Missing - Due Diligence Vendor-11/29/2021 | Ready for Review-Document Uploaded. - Seller-02/17/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/18/2022 | XXXX |  |  | CA | Investment | Purchase | NA | 179477 | N/A | N/A |
| XXXX | 57691 |  |  | Closed | 2022-02-17 20:01 | 2022-02-18 20:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/18/2022 <br>Open- - Due Diligence Vendor-02/18/2022 <br>Ready for Review-Document Uploaded. - Seller-02/17/2022 <br>Open-Final HUD-1 Document is Missing - Due Diligence Vendor-11/29/2021 | Ready for Review-Document Uploaded. - Seller-02/17/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/18/2022 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 180005 | N/A | N/A |
| XXXX | 57691 |  |  | Closed | 2022-02-18 20:03 | 2022-02-18 20:03 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-02/18/2022 |  | Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-02/18/2022 |  |  |  | CA | Investment | Refinance | Cash Out - Other | 310318 | N/A | N/A |
| XXXX | 57692 |  |  | Closed | 2021-11-29 19:31 | 2022-03-02 17:20 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/02/2022 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-11/29/2021 |  | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/02/2022 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 179936 | N/A | N/A |
| XXXX | 58057 |  |  | Closed | 2022-01-07 21:00 | 2023-03-10 16:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Gap Credit Report Incomplete | Resolved-Gap Credit Report Provided - Due Diligence Vendor-03/10/2023 <br> Resolved-Account are included in GAP Report. Finding resolved. - Due Diligence Vendor-01/12/2022 <br> Ready for Review-Document Uploaded. - Seller-01/07/2022 <br> Open-As per Final 1003 Document Liabilities - Revolving Accounts XXXX #XXXX $XXXX and XXXX #XXXX $XXXX are missing in the Gap Report - Due Diligence Vendor-11/30/2021 | Ready for Review-Document Uploaded. - Seller-01/07/2022 | Resolved-Gap Credit Report Provided - Due Diligence Vendor-03/10/2023 <br>Resolved-Account are included in GAP Report. Finding resolved. - Due Diligence Vendor-01/12/2022 | CREDIT SOFT PULL.pdf |  |  | CA | Primary Residence | Purchase | NA | 182219 | N/A | N/A |
| XXXX | 58057 |  |  | Closed | 2022-01-07 20:59 | 2022-01-12 14:03 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-SPL on page 421cr of file. Finding resolved. - Due Diligence Vendor-01/12/2022 <br>Ready for Review-Document Uploaded. - Seller-01/07/2022 <br>Open-Written List of Service Providers Disclosure is not in indexing if its missin - Due Diligence Vendor-12/01/2021 | Ready for Review-Document Uploaded. - Seller-01/07/2022 | Resolved-SPL on page 421cr of file. Finding resolved. - Due Diligence Vendor-01/12/2022 | Sspl.pdf |  |  | CA | Primary Residence | Purchase | NA | 185363 | N/A | N/A |
| XXXX | 58057 |  |  | Closed | 2022-01-07 20:59 | 2022-01-12 14:02 | Resolved | 1 - Information C A | Credit | Doc Issue | Settlement Service Provider List is Missing | Resolved-SPL on page 421cr of file. Finding resolved. - Due Diligence Vendor-01/12/2022 <br>Ready for Review-Document Uploaded. - Seller-01/07/2022 <br>Open-Written List of Service Providers Disclosure is missing. - Due Diligence Vendor-12/02/2021 | Ready for Review-Document Uploaded. - Seller-01/07/2022 | Resolved-SPL on page 421cr of file. Finding resolved. - Due Diligence Vendor-01/12/2022 | Sspl.pdf |  |  | CA | Primary Residence | Purchase | NA | 185958 | N/A | N/A |
| XXXX | 58079 |  |  | Closed | 2022-01-07 21:31 | 2022-01-12 15:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Client provided HCO. Finding resolved. - Due Diligence Vendor-01/12/2022 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/12/2022 <br>Ready for Review-Document Uploaded. Homeownership counseling disclosure attached - Seller-01/07/2022 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-11/30/2021 | Ready for Review-Document Uploaded. Homeownership counseling disclosure attached - Seller-01/07/2022 | Resolved-Client provided HCO. Finding resolved. - Due Diligence Vendor-01/12/2022 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/12/2022 | INITIAL DISCLOSURE PACKAGE.pdf |  |  | CA | Primary Residence | Purchase | NA | 183042 | N/A | N/A |
| XXXX | 61501 |  |  | Closed | 2022-03-17 18:32 | 2022-03-18 13:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved- - Due Diligence Vendor-03/18/2022 <br>Ready for Review-Document Uploaded. - Seller-03/17/2022 <br>Open-The Final HUD-1 Settlement Statement is missing. The document must indicate Final and must have a certified True Copy stamp and be signed/dated by the borrower(s). - Due Diligence Vendor-03/07/2022 <br>Open-The Final HUD-1 Settlement Statement is missing. The document must indicate Final and must have a certified True Copy stamp and be signed/dated by the borrower(s). - Due Diligence Vendor-03/01/2022 <br>Open-Missing Final HUD/Settlement Statement. File contains Estimated Closing Statement only. Please provide certified Final HUD/Settlement Statement from the Title Company. - Due Diligence Vendor-01/14/2022 <br>Open-Final HUD-1 Document is Missing. Please Provide the Document - Due Diligence Vendor-12/02/2021 | Ready for Review-Document Uploaded. - Seller-03/17/2022 |  | XXXX |  |  | CA | Investment | Purchase | NA | 187288 | N/A | N/A |
| XXXX | 61501 |  |  | Closed | 2022-02-16 21:31 | 2022-03-17 18:10 | Resolved | 1 - Information C A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/17/2022 <br>Open-PI payment is incorrect as used rate of 5.125%. Note rate is 4.125%. Please provide corrected 1003. - Due Diligence Vendor-03/07/2022 <br>Open-PI payment is incorrect as used rate of 5.125%. Note rate is 4.125%. Please provide corrected 1003. - Due Diligence Vendor-02/16/2022 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/17/2022 |  |  |  | CA | Investment | Purchase | NA | 306003 | N/A | N/A |
| XXXX | 61501 |  |  | Closed | 2022-01-10 19:58 | 2022-01-14 12:16 | Resolved | 1 - Information C A | Credit | Credit | CDA is Missing | Resolved-Per Guidelines CDA not required when 2 Full Appraisals ordered. 2 Full appraisals in file. Finding resolved. - Due Diligence Vendor-01/14/2022 <br>Ready for Review-Document Uploaded. 2ND Appraisal this was included in the original package - Seller-01/10/2022 <br>Open-CDA is Missing. Please Provide Document. - Due Diligence Vendor-12/02/2021 | Ready for Review-Document Uploaded. 2ND Appraisal this was included in the original package - Seller-01/10/2022 | Resolved-Per Guidelines CDA not required when 2 Full Appraisals ordered. 2 Full appraisals in file. Finding resolved. - Due Diligence Vendor-01/14/2022 | XXXX |  |  | CA | Investment | Purchase | NA | 187457 | N/A | N/A |
| XXXX | 60410 |  |  | Closed | 2022-03-04 23:24 | 2022-03-07 18:52 | Resolved | 1 - Information C A | Credit | Closing | Gap Credit Report Within 10 Days of Closing is Expired | Resolved- - Due Diligence Vendor-03/07/2022 <br> Ready for Review-Document Uploaded. - Seller-03/04/2022 <br> Open-Gap Credit Report Date of XXXX is greater than 10 days from Transaction Date of XXXX and Gap Report Doc Status is Present - Due Diligence Vendor-12/13/2021 | Ready for Review-Document Uploaded. - Seller-03/04/2022 |  | custom.pdf |  |  | CA | Primary Residence | Purchase | NA | 202501 | N/A | N/A |
| XXXX | 60410 |  |  | Closed | 2022-02-07 19:38 | 2022-03-07 18:47 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,195.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/13/2021 <br>Ready for Review-Document Uploaded. Third party processing fee is disclosed on initial LE dated 11/3. Therefore there is no violation. I have attached herein for reference. - Seller-02/07/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,195.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $1195 for zero tolerance fees. A Third Party Processing Fee was added to the revised LE dated 11/03/2021. - Due Diligence Vendor-12/14/2021 | Ready for Review-Document Uploaded. Third party processing fee is disclosed on initial LE dated 11/3. Therefore there is no violation. I have attached herein for reference. - Seller-02/07/2022 | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,195.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/13/2021 | INITIAL DISCLOSURE PACKAGE.pdf |  |  | CA | Primary Residence | Purchase | NA | 202733 | N/A | N/A |
| XXXX | 60410 |  |  | Closed | 2022-03-07 18:42 | 2022-03-07 18:47 | Resolved | 1 - Information C A | Compliance | TRID | Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test | Open-This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test.(12 CFR §1026.19(f)(2)(iv))The post-consummation reason for redisclosure is "non-numeric clerical error" and the post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Changes due to clerical errors. A creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i) contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than 60 days after consummation. - Due Diligence Vendor-03/07/2022 |  |  |  |  |  | CA | Primary Residence | Purchase | NA | 334071 | N/A | N/A |
| XXXX | 60410 |  |  | Closed | 2022-03-04 23:22 | 2022-03-07 18:42 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Ready for Review-Document Uploaded. PCCD confirms disbursement date XXXX - Seller-03/04/2022 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. Final CD dated XXXX is signed XXXX, however, the disbursement date reflects XXXX. - Due Diligence Vendor-12/14/2021 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-12/13/2021 | Ready for Review-Document Uploaded. PCCD confirms disbursement date XXXX - Seller-03/04/2022 |  | FINAL HUD-1 SIGNED (16).pdf |  |  | CA | Primary Residence | Purchase | NA | 202734 | N/A | N/A |
| XXXX | 60410 |  |  | Closed | 2022-03-04 23:21 | 2022-03-07 16:39 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-PCCD issued XXXX received. Finding resolved. - Due Diligence Vendor-03/07/2022 <br> Ready for Review-Document Uploaded. Final CD attached confirms disbursement date of XXXX. Hazard insurance must be in effect as of date of disbursement - Seller-03/04/2022 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date XXXX - Due Diligence Vendor-12/13/2021 | Ready for Review-Document Uploaded. Final CD attached confirms disbursement date of XXXX. Hazard insurance must be in effect as of date of disbursement - Seller-03/04/2022 | Resolved-PCCD issued XXXX received. Finding resolved. - Due Diligence Vendor-03/07/2022 | FINAL HUD-1 SIGNED (15).pdf |  |  | CA | Primary Residence | Purchase | NA | 202558 | N/A | N/A |
| XXXX | 60410 |  |  | Closed | 2021-12-13 23:08 | 2022-02-09 17:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-02/09/2022 <br>Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/13/2021 |  | Resolved-Resolved - Due Diligence Vendor-02/09/2022 <br>Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/13/2021 |  |  |  | CA | Primary Residence | Purchase | NA | 202731 | N/A | N/A |
| XXXX | 60410 |  |  | Closed | 2021-12-13 23:08 | 2022-02-09 17:39 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-02/09/2022 <br>Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/13/2021 |  | Resolved-Resolved - Due Diligence Vendor-02/09/2022 <br>Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/13/2021 |  |  |  | CA | Primary Residence | Purchase | NA | 202732 | N/A | N/A |
| XXXX | 60144 |  |  | Closed | 2022-03-16 16:55 | 2023-03-06 18:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 614 is greater than or equal to Guideline FICO of 580 - Due Diligence Vendor-03/16/2022 <br>Ready for Review-Document Uploaded. SEE ATTACHED MATRIX - Seller-03/16/2022 <br>Open-Audited FICO of 614 is less than Guideline FICO of 640 - Due Diligence Vendor-12/15/2021 | Ready for Review-Document Uploaded. SEE ATTACHED MATRIX - Seller-03/16/2022 | Resolved-Audited FICO of 614 is greater than or equal to Guideline FICO of 580 - Due Diligence Vendor-03/16/2022 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 206326 | N/A | N/A |
| XXXX | 60451 |  |  | Closed | 2022-03-10 22:03 | 2022-03-11 21:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved- - Due Diligence Vendor-03/11/2022 <br>Ready for Review-Document Uploaded. - Seller-03/10/2022 <br>Counter-Hud missing disbursement date please send final hud-1 showing disbursement date - Due Diligence Vendor-03/08/2022 <br>Ready for Review-Document Uploaded. - Seller-03/07/2022 <br>Open-Final HUD-1 Document is Missing Final HUD-1/CD is missing in file - Due Diligence Vendor-12/15/2021 | Ready for Review-Document Uploaded. - Seller-03/10/2022 <br>Ready for Review-Document Uploaded. - Seller-03/07/2022 |  | XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 206786 | N/A | N/A |
| XXXX | 60367 |  |  | Closed | 2022-05-20 12:33 | 2022-05-20 12:40 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-05/20/2022 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'N/A' - Due Diligence Vendor-05/20/2022 |  | Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-05/20/2022 |  |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 465383 | N/A | N/A |
| XXXX | 60367 |  |  | Closed | 2021-12-17 19:51 | 2022-05-16 14:12 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. \*\*\*The Final CD issued on 11/18/2021 does not reflect the correct Closing Date XX/XX/XXXXX when compared to the notary signature date on the Deed Of Trust.<br> A PCCD is required to cure this finding. \*\*\* - Due Diligence Vendor-12/17/2021 <br> Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - Due Diligence Vendor-12/17/2021 |  |  |  |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 211114 | N/A | N/A |
| XXXX | 60367 |  |  | Closed | 2022-05-13 18:22 | 2022-05-16 14:11 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- PCCD sent to resolve fail - Due Diligence Vendor-05/16/2022 <br> Ready for Review-Document Uploaded. See PCCD attached - Seller-05/13/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\* ROR cancel Date is XXXX. Final Closing Disclosure XXXX disbursement date is XXXX. Disbursement date is before the cancel date provided on the ROR, page 953 \*\*\* - Due Diligence Vendor-12/17/2021 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-12/17/2021 | Ready for Review-Document Uploaded. See PCCD attached - Seller-05/13/2022 | Resolved- PCCD sent to resolve fail - Due Diligence Vendor-05/16/2022 | XXXX |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 210906 | N/A | N/A |
| XXXX | 60367 |  |  | Closed | 2022-05-13 18:23 | 2022-05-16 14:11 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved- PCCD sent to resolve fail - Due Diligence Vendor-05/16/2022 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-05/13/2022 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. \*\*\*The Final CD issued on XXXX does not reflect the correct Closing Date XXXX when compared to the notary signature date on the Deed Of Trust.<br> A PCCD is required to cure this finding. \*\*\* - Due Diligence Vendor-12/17/2021 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-12/17/2021 | Ready for Review-Document Uploaded. PCCD attached - Seller-05/13/2022 | Resolved- PCCD sent to resolve fail - Due Diligence Vendor-05/16/2022 | XXXX |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 210911 | N/A | N/A |
| XXXX | 60367 |  |  | Closed | 2021-12-17 16:15 | 2022-05-16 14:04 | Resolved | 1 - Information C A | Compliance | Closing | Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty | Resolved-The Note and CD Prepayment Penalty Issue Resolved - Due Diligence Vendor-05/16/2022 <br>Rescinded-Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty \*\*\* There was no PPP used for this file \*\*\* - Due Diligence Vendor-12/17/2021 <br>Rescinded-Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty - Due Diligence Vendor-12/17/2021 |  | Resolved-The Note and CD Prepayment Penalty Issue Resolved - Due Diligence Vendor-05/16/2022 <br>Rescinded-Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty \*\*\* There was no PPP used for this file \*\*\* - Due Diligence Vendor-12/17/2021 <br>Rescinded-Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty - Due Diligence Vendor-12/17/2021 |  |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 210571 | N/A | N/A |
| XXXX | 60407 |  |  | Closed | 2022-03-16 22:54 | 2023-03-06 20:36 | Waived | 2 - Non-Material C B | Credit | Closing | Gap Credit Report Within 10 Days of Closing is Expired | Waived- - Due Diligence Vendor-05/10/2022 <br> Resolved-Lender exception for Gap credit report not within 10 days of closing - Due Diligence Vendor-03/17/2022 <br> Open- - Due Diligence Vendor-03/17/2022 <br> Resolved- - Due Diligence Vendor-03/17/2022 <br> Ready for Review-Document Uploaded. - Seller-03/16/2022 <br> Open-Gap Credit Report Date of XXXX is greater than 10 days from Transaction Date of XXXX and Gap Report Doc Status is Present - Due Diligence Vendor-12/20/2021 | Ready for Review-Document Uploaded. - Seller-03/16/2022 | Resolved-Lender exception for Gap credit report not within 10 days of closing - Due Diligence Vendor-03/17/2022 <br>Resolved- - Due Diligence Vendor-03/17/2022 | custom (1).pdf |  | Good Fico at 749, 20months of Reserves and very low DTI at 7.6% | CA | Primary Residence | Refinance | Cash Out - Other | 213915 | Originator Pre-Close | Yes |
| XXXX | 61508 |  |  | Closed | 2022-09-28 22:02 | 2023-03-06 14:38 | Waived | 2 - Non-Material B | Property | Property | Property has been listed for sale in the past 6 months | Waived-MLS cancellation less then 6 months - Due Diligence Vendor-09/28/2022 |  | Waived-MLS cancellation less then 6 months - Due Diligence Vendor-09/28/2022 |  |  | Solid fico: 734<br> LTV is low: 23.529%<br> has PP | CA | Investment | Refinance | Cash Out - Other | 669677 | Originator Pre-Close | Yes |
| XXXX | 61508 |  |  | Closed | 2022-03-05 22:45 | 2022-09-28 20:04 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved- - Due Diligence Vendor-03/07/2022 <br>Ready for Review-Document Uploaded. - Seller-03/05/2022 <br>Open-Trust/POA Does Not Meet Guideline Requirements Trust Documents not located in file - Due Diligence Vendor-12/29/2021 | Ready for Review-Document Uploaded. - Seller-03/05/2022 |  | ESCROW VESTING.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 224162 | N/A | N/A |
| XXXX | 61508 |  |  | Closed | 2022-03-08 20:51 | 2022-03-09 02:58 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved- - Due Diligence Vendor-03/09/2022 <br>Ready for Review-Document Uploaded. We are using $30,823 plus the rent of the subject attached 1008, 1003 and worksheet (using 60 mos as our guides allow for the assets utilization instead of 72)<br>Asset Utilization (Section 8.12)<br> o All individuals on the asset statements must be on the loan, except for non-borrower spouses<br> o Total Asset now divided by 60 months to calculate a DTI<br>- Seller-03/08/2022 <br>Open-Final 1008 p.1CR reflects an incorrect IO payment use to qualify producing front/back ratios of 29.872%/48.039%. Audit unable to calculate true ratios. Provide update 1008 to reflect corrected fully amortized payment used to qualify with corrected ratios. See DTI > 60% finding. Provide corrected 1008. - Due Diligence Vendor-03/07/2022 <br>Open-Final 1008 p.1CR reflects an incorrect IO payment use to qualify producing front/back ratios of 29.872%/48.039%. Audit unable to calculate true ratios. PI payment should be qualifying borrowers with full PI payment. Provide update 1008 to reflect corrected fully amortized payment used to qualify with corrected ratios. Diligence DTI's showing to be 74.31/89.33. 1008 showing primary residence PITI to be $9,196.18. Per 1003 the primary residence PITI is $20,062.18. 1008 has incorrect monthly insurance payment for subject property. Per HOI document monthly payment is $1,581.08. See DTI > 60% finding A-FCRE2383 - Due Diligence Vendor-03/01/2022 <br>Open-Final 1008 p.1CR reflects an incorrect IO payment use to qualify producing front/back ratios of 29.872%/48.039%. Audit unable to calculate true ratios. Provide update 1008 to reflect corrected fully amortized payment used to qualify with corrected ratios. See DTI > 60% finding A-FCRE2383 - Due Diligence Vendor-01/07/2022 <br>Open-Final 1008 p.1CR reflects an incorrect IO payment use to qualify producing front/back ratios of 29.872%/48.039%. Audit unable to calculate true ratios. Provide update 1008 to reflect corrected fully amortized payment used to qualify with corrected ratios.<br>See DTI > 60% finding. - Due Diligence Vendor-01/07/2022 | Ready for Review-Document Uploaded. We are using $30,823 plus the rent of the subject attached 1008, 1003 and worksheet (using 60 mos as our guides allow for the assets utilization instead of 72)<br>Asset Utilization (Section 8.12)<br> o All individuals on the asset statements must be on the loan, except for non-borrower spouses<br> o Total Asset now divided by 60 months to calculate a DTI<br>- Seller-03/08/2022 |  | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 239429 | N/A | N/A |
| XXXX | 61508 |  |  | Closed | 2022-03-05 22:45 | 2022-03-07 21:09 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Complete Appraisal received - Due Diligence Vendor-03/07/2022 <br>Ready for Review-Document Uploaded. - Seller-03/05/2022 <br>Open-Primary appraisal is missing all subject property photos, comparable photos, location map, floor plan and addendums. - Due Diligence Vendor-03/01/2022 | Ready for Review-Document Uploaded. - Seller-03/05/2022 | Resolved-Complete Appraisal received - Due Diligence Vendor-03/07/2022 | APPRAISAL (14).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 323704 | N/A | N/A |
| XXXX | 61507 |  |  | Closed | 2022-09-28 22:16 | 2023-03-06 14:41 | Waived | 2 - Non-Material B | Credit | Credit | CLTV/LTV exceeds guidelines | Waived-5% LTV due DSCR under 1. adding 0.125% to rate<br> approved by XXXX page 2 - Due Diligence Vendor-09/28/2022 |  | Waived-5% LTV due DSCR under 1. adding 0.125% to rate<br> approved by XXXX page 2 - Due Diligence Vendor-09/28/2022 |  |  | 20% down: 57000<br> 50 months reserves; ~$80k | CA | Investment | Purchase | NA | 669695 | Originator Pre-Close | Yes |
| XXXX | 61314 |  |  | Closed | 2022-01-03 19:05 | 2022-08-31 16:55 | Resolved | 1 - Information C A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved- - Due Diligence Vendor-08/31/2022 <br>Rescinded-The Final 1003 is Present - Due Diligence Vendor-03/01/2022 <br>Open-The Final 1003 is Missing Final 1003 for borrower is missing. Incorrect final 1003 in file for a different borrower. - Due Diligence Vendor-01/03/2022 |  | Resolved- - Due Diligence Vendor-08/31/2022 <br>Rescinded-The Final 1003 is Present - Due Diligence Vendor-03/01/2022 |  |  |  | CO | Investment | Purchase | NA | 228284 | N/A | N/A |
| XXXX | 61314 |  |  | Closed | 2022-04-20 23:10 | 2022-04-21 16:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-fees entered on respa 2010 page. finding is resolved. - Due Diligence Vendor-04/21/2022 <br>Ready for Review-Document Uploaded. - Seller-04/20/2022 <br>Counter-Please provide certified Final HUD/Settlement Statement from the Title Company - Due Diligence Vendor-03/18/2022 <br>Open-Final HUD-1 Document is Missing HUD-1 Settlement Statement is not dated by Borrower or Certified by Title/Escrow Company. Please provide certified Final HUD/Settlement Statement from the Title Company. - Due Diligence Vendor-01/03/2022 | Ready for Review-Document Uploaded. - Seller-04/20/2022 | Resolved-fees entered on respa 2010 page. finding is resolved. - Due Diligence Vendor-04/21/2022 | 1394_001.pdf |  |  | CO | Investment | Purchase | NA | 229343 | N/A | N/A |
| XXXX | 62259 |  |  | Closed | 2022-05-12 22:33 | 2022-05-13 12:10 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR ratio on 1008 - Due Diligence Vendor-05/13/2022 <br>Ready for Review-Document Uploaded. - Seller-05/12/2022 <br>Open- - Due Diligence Vendor-05/12/2022 | Ready for Review-Document Uploaded. - Seller-05/12/2022 | Resolved-DSCR ratio on 1008 - Due Diligence Vendor-05/13/2022 | transmittal_19_pdf (68).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 453577 | N/A | N/A |
| XXXX | 62259 |  |  | Closed | 2022-05-11 21:22 | 2022-05-12 18:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Fees entered. Finding is resolved. - Due Diligence Vendor-05/12/2022 <br>Ready for Review-Document Uploaded. - Seller-05/11/2022 <br>Counter-Please provide certified Final HUD/Settlement Statement from the Title Company. - Due Diligence Vendor-03/18/2022 <br>Open-Final HUD-1 Document is Missing Final HUD-1 Document is Missing Missing Final HUD/Settlement Statement. File contains Estimated Closing Statement only on page 141. Please provide certified Final HUD/Settlement Statement from the Title Company. - Due Diligence Vendor-01/03/2022 <br>Open-Final HUD-1 Document is Missing - Due Diligence Vendor-12/30/2021 | Ready for Review-Document Uploaded. - Seller-05/11/2022 | Resolved-Fees entered. Finding is resolved. - Due Diligence Vendor-05/12/2022 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 225556 | N/A | N/A |
| XXXX | #N/A |  |  | Closed | 2022-01-06 20:33 | 2022-01-07 21:14 | Resolved | 1 - Information C A | Credit | Eligibility | Excessive Seller Contributions | Resolved-PCCD reflects Seller paying normal seller costs. Finding resolved. - Due Diligence Vendor-01/07/2022 <br>Ready for Review-Document Uploaded. - Seller-01/06/2022 <br>Open-Sales contract is not showing and seller paid closing costs, however, final CD is showing seller paid closing costs. Need amended sales contract to account for seller paid closing costs. - Due Diligence Vendor-12/30/2021 | Ready for Review-Document Uploaded. - Seller-01/06/2022 | Resolved-PCCD reflects Seller paying normal seller costs. Finding resolved. - Due Diligence Vendor-01/07/2022 | XXXX |  |  | CA | Investment | Purchase | NA | 226490 | N/A | N/A |
| XXXX | #N/A |  |  | Closed | 2022-01-05 16:40 | 2022-01-07 21:12 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Client does not include on search. Finding resolved. - Due Diligence Vendor-01/07/2022 <br>Ready for Review-Document Uploaded. - Seller-01/05/2022 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Credit reporting agency not screened - Due Diligence Vendor-12/30/2021 | Ready for Review-Document Uploaded. - Seller-01/05/2022 | Resolved-Client does not include on search. Finding resolved. - Due Diligence Vendor-01/07/2022 | XXXX |  |  | CA | Investment | Purchase | NA | 226360 | N/A | N/A |
| XXXX | #N/A |  |  | Closed | 2022-01-05 22:13 | 2022-01-07 21:12 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Client provided PCCD. Finding resolved. - Due Diligence Vendor-01/07/2022 <br> Ready for Review-Document Uploaded. We go off of the NOTE date not transaction date - Seller-01/05/2022 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-12/30/2021 | Ready for Review-Document Uploaded. We go off of the NOTE date not transaction date - Seller-01/05/2022 | Resolved-Client provided PCCD. Finding resolved. - Due Diligence Vendor-01/07/2022 | XXXX |  |  | CA | Investment | Purchase | NA | 226310 | N/A | N/A |
| XXXX | 61521 |  |  | Closed | 2022-09-28 22:43 | 2022-09-30 22:42 | Waived | 2 - Non-Material B | Credit | Credit | Missing subject housing history rating | Waived-No Primary Housing - Due Diligence Vendor-09/30/2022 <br> Waived-Low LTV. approved by XXXX pg 4 - Due Diligence Vendor-09/28/2022 |  | Waived-No Primary Housing - Due Diligence Vendor-09/30/2022 <br> Waived-Low LTV. approved by XXXX pg 4 - Due Diligence Vendor-09/28/2022 |  |  | FICO 604<br> LTV 59.091 | ID | Investment | Refinance | Cash Out - Other | 669732 | Originator Pre-Close | Yes |
| XXXX | 61521 |  |  | Closed | 2022-03-07 18:38 | 2022-03-08 21:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/08/2022 <br>Ready for Review-Document Uploaded. - Seller-03/07/2022 <br>Open-The Final HUD-1 Settlement Statement is missing. The document must indicate Final and must have a certified True Copy stamp and be signed/dated by the borrower(s). - Due Diligence Vendor-03/01/2022 <br>Open-Final HUD-1 Document is Missing Missing Final HUD/Settlement Statement. File contains Estimated Closing Statement only. Please provide certified Final HUD/Settlement Statement from the Title Company. - Due Diligence Vendor-01/04/2022 | Ready for Review-Document Uploaded. - Seller-03/07/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/08/2022 | XXXX |  |  | ID | Investment | Refinance | Cash Out - Other | 231486 | N/A | N/A |
| XXXX | 61529 |  |  | Closed | 2022-03-17 23:23 | 2022-09-28 20:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-09/28/2022 <br>Resolved-Fees entered. Finding is resolved. - Due Diligence Vendor-03/18/2022 <br>Ready for Review-Document Uploaded. - Seller-03/17/2022 <br>Open-The Final HUD-1 Settlement Statement is missing. The document must indicate Final and must have a certified True Copy stamp and be signed/dated by the borrower(s). - Due Diligence Vendor-03/01/2022 <br>Open-Final HUD-1 Document is Missing - Due Diligence Vendor-01/04/2022 | Ready for Review-Document Uploaded. - Seller-03/17/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-09/28/2022 <br>Resolved-Fees entered. Finding is resolved. - Due Diligence Vendor-03/18/2022 | Cert-Final.pdf |  |  | CA | Investment | Purchase | NA | 232245 | N/A | N/A |
| XXXX | 61531 |  |  | Closed | 2022-03-05 23:18 | 2022-03-07 17:07 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Client provided 1008 document uploaded resolved - Due Diligence Vendor-03/07/2022 <br>Ready for Review-Document Uploaded. - Seller-03/05/2022 <br>Open-Calculation sheet is not needed please provided the Operating agreement - Due Diligence Vendor-03/01/2022 <br>Open-DSCR calculation sheet is missing from the file. - Due Diligence Vendor-01/03/2022 | Ready for Review-Document Uploaded. - Seller-03/05/2022 | Resolved-Client provided 1008 document uploaded resolved - Due Diligence Vendor-03/07/2022 | transmittal_19_pdf (16).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 227922 | N/A | N/A |
| XXXX | 62304 |  |  | Closed | 2022-02-02 17:51 | 2023-03-06 18:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Client provided Certified Final HUD-1 Settlement Statement. Finding resolved. - Due Diligence Vendor-02/03/2022 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/03/2022 <br>Resolved-Client provided final Hud document uploaded - Due Diligence Vendor-02/02/2022 <br>Ready for Review-Document Uploaded. - Seller-02/02/2022 <br>Open-Final HUD-1 Document is Missing Final HUD-1 Document is Missing - Due Diligence Vendor-01/06/2022 | Ready for Review-Document Uploaded. - Seller-02/02/2022 | Resolved-Client provided Certified Final HUD-1 Settlement Statement. Finding resolved. - Due Diligence Vendor-02/03/2022 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/03/2022 <br>Resolved-Client provided final Hud document uploaded - Due Diligence Vendor-02/02/2022 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 237008 | N/A | N/A |
| XXXX | 61500 |  |  | Closed | 2022-02-15 20:42 | 2023-03-09 17:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Gap Credit Report | Resolved-Gap Credit Report is Provided or Not Applicable - Due Diligence Vendor-02/16/2022 <br>Ready for Review-Gap credit report not required on DSCR as ratios are not calculated - Seller-02/15/2022 <br>Open-Gap Credit Report is Missing - Due Diligence Vendor-01/11/2022 | Ready for Review-Gap credit report not required on DSCR as ratios are not calculated - Seller-02/15/2022 | Resolved-Gap Credit Report is Provided or Not Applicable - Due Diligence Vendor-02/16/2022 |  |  |  | IL | Investment | Refinance | Cash Out - Other | 245413 | N/A | N/A |
| XXXX | 57711 |  |  | Closed | 2022-02-15 20:44 | 2023-03-24 16:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/18/2022 <br>Resolved-Asset Utilization loan. No VVOE required this is type of program is using assets only. - Due Diligence Vendor-02/16/2022 <br>Ready for Review-VVOE does not apply- income calculated via Asset utilization not employment - Seller-02/15/2022 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/06/2022 | Ready for Review-VVOE does not apply- income calculated via Asset utilization not employment - Seller-02/15/2022 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/18/2022 <br>Resolved-Asset Utilization loan. No VVOE required this is type of program is using assets only. - Due Diligence Vendor-02/16/2022 |  |  |  | CA | Investment | Refinance | Cash Out - Other | 236172 | N/A | N/A |
| XXXX | 57711 |  |  | Closed | 2022-03-17 21:53 | 2023-03-06 21:32 | Resolved | 1 - Information C A | Credit | Data | Qualifying LTV % does not match 1008 Page LTV %. | Resolved-The Diligence Final Look Page Qualifying LTV matches the 1008 Page Qualifying LTV. - Due Diligence Vendor-03/18/2022 <br> Ready for Review-Document Uploaded. - Seller-03/17/2022 <br> Open-Loan amount on 1008 is $XXXX however, as per Note doc and final 1003 the correct loan amount is $XXXX due to which there is a discrepancy in LTV. Please provide final 1008. - Due Diligence Vendor-02/16/2022 <br> Open-The Diligence Final Look Page Qualifying LTV is 50% but the 1008 Page Qualifying LTV is 65%. Please confirm the correct qualifying property value flag was chosen. - Due Diligence Vendor-01/07/2022 <br> Open-The Diligence Final Look Page Qualifying LTV is 50% but the 1008 Page Qualifying LTV is 65%. Please confirm the correct qualifying property value flag was chosen. - Due Diligence Vendor-01/06/2022 | Ready for Review-Document Uploaded. - Seller-03/17/2022 | Resolved-The Diligence Final Look Page Qualifying LTV matches the 1008 Page Qualifying LTV. - Due Diligence Vendor-03/18/2022 | transmittal_19_pdf (24).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 236606 | N/A | N/A |
| XXXX | 57711 |  |  | Closed | 2022-02-18 19:57 | 2022-02-22 13:31 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Assets are fully documented. - Due Diligence Vendor-02/22/2022 <br> Ready for Review-You're reading the net change amount not the value amount. - Seller-02/18/2022 <br> Counter-For XXXX have it at 70 percent. Have balance @ XXXX. With total amount of XXXX. From page 144. - Due Diligence Vendor-02/16/2022 <br> Ready for Review-For XXXX have it at 70 percent. Have balance @ XXXX. With total amount of XXXX. From page 144. - Due Diligence Vendor-02/16/2022 <br> Ready for Review-1003 amounts reflect 70% of balances as per qualifying guidelines - Seller-02/15/2022 <br> Open-As per Final 1003 2a Asset are not matches with the Bank Statement document. - Due Diligence Vendor-01/06/2022 | Ready for Review-You're reading the net change amount not the value amount. - Seller-02/18/2022 <br>Ready for Review-1003 amounts reflect 70% of balances as per qualifying guidelines - Seller-02/15/2022 | Resolved-Assets are fully documented. - Due Diligence Vendor-02/22/2022 |  |  |  | CA | Investment | Refinance | Cash Out - Other | 236577 | N/A | N/A |
| XXXX | 61517 |  |  | Closed | 2022-02-15 22:00 | 2022-02-16 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Gap Credit Report | Resolved-Per Guidelines, GAP Report not required on DSCR loans. Finding rescinded. - Due Diligence Vendor-02/16/2022 <br>Ready for Review-Gap Credit report not applicable for DSCR- no ratios are calculated - Seller-02/15/2022 <br>Open-Gap Credit Report is Missing - Due Diligence Vendor-01/11/2022 | Ready for Review-Gap Credit report not applicable for DSCR- no ratios are calculated - Seller-02/15/2022 | Resolved-Per Guidelines, GAP Report not required on DSCR loans. Finding rescinded. - Due Diligence Vendor-02/16/2022 |  |  |  | CA | Investment | Refinance | Cash Out - Other | 244253 | N/A | N/A |
| XXXX | 61517 |  |  | Closed | 2022-01-11 21:58 | 2022-02-16 16:44 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Dry funding State. HUD-1/Settlement Statement Approved by Client. Finding resolved. - Due Diligence Vendor-02/16/2022 <br> Open-Final HUD-1 Closing Date of XXXX is not the same date as the Notary Acknowledgement Date of XXXX. - Due Diligence Vendor-01/11/2022 |  | Resolved-Dry funding State. HUD-1/Settlement Statement Approved by Client. Finding resolved. - Due Diligence Vendor-02/16/2022 |  |  |  | CA | Investment | Refinance | Cash Out - Other | 245281 | N/A | N/A |
| XXXX | 61523 |  |  | Closed | 2022-02-15 22:27 | 2023-03-09 15:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 44.85% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/16/2022 <br>Ready for Review-Document Uploaded. - Seller-02/15/2022 <br>Open-Audited DTI of 63.71% exceeds Guideline DTI of 50% 1)Audited DTI of 63.71% exceeds Guideline DTI of 50%<br> 2) DTI Discrepancy. - Due Diligence Vendor-01/11/2022 | Ready for Review-Document Uploaded. - Seller-02/15/2022 | Resolved-Audited DTI of 44.85% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/16/2022 | Rental income.pdf<br>INCOME CALCULATION WORKSHEET (4).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 244715 | N/A | N/A |
| XXXX | 61530 |  |  | Closed | 2022-01-05 16:09 | 2023-03-07 17:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Gap Credit Report | Resolved-Gap Credit Report is Provided or Not Applicable - Due Diligence Vendor-01/06/2022 <br>Open-Gap Credit Report is Missing - Due Diligence Vendor-01/05/2022 |  | Resolved-Gap Credit Report is Provided or Not Applicable - Due Diligence Vendor-01/06/2022 |  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 233388 | N/A | N/A |
| XXXX | 61530 |  |  | Closed | 2022-02-17 18:16 | 2023-03-07 17:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Gap Credit Report Incomplete | Resolved-Gap Credit Report Provided - Due Diligence Vendor-03/07/2023 <br>Resolved-DSCR loan. Gap report not needed. - Due Diligence Vendor-02/18/2022 <br>Ready for Review-Gap credit report not required on DSCR program, no ratios are calculated - Seller-02/17/2022 <br>Open-Gap Credit Report file is missing. - Due Diligence Vendor-01/05/2022 | Ready for Review-Gap credit report not required on DSCR program, no ratios are calculated - Seller-02/17/2022 | Resolved-Gap Credit Report Provided - Due Diligence Vendor-03/07/2023 <br>Resolved-DSCR loan. Gap report not needed. - Due Diligence Vendor-02/18/2022 |  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 234904 | N/A | N/A |
| XXXX | 61530 |  |  | Closed | 2022-01-05 16:51 | 2023-03-03 10:42 | Resolved | 1 - Information C A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/23/2022 <br>Rescinded-Final HUD-1 Document is Missing Page 206 - Due Diligence Vendor-01/05/2022 |  | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/23/2022 <br>Rescinded-Final HUD-1 Document is Missing Page 206 - Due Diligence Vendor-01/05/2022 |  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 233620 | N/A | N/A |
| XXXX | 61530 |  |  | Closed | 2022-02-18 18:15 | 2022-02-23 21:26 | Resolved | 1 - Information C A | Compliance | Compliance | Missing page of HUD | Resolved- - Due Diligence Vendor-02/23/2022 <br>Ready for Review-Document Uploaded. - Seller-02/18/2022 <br>Open-Hud-1 Settlement Statement is missing.<br> - Due Diligence Vendor-01/05/2022 | Ready for Review-Document Uploaded. - Seller-02/18/2022 |  | Final Closing Statement.pdf |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 234897 | N/A | N/A |
| XXXX | 61530 |  |  | Closed | 2022-01-05 16:30 | 2022-01-06 20:50 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/06/2022 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-01/05/2022 |  | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/06/2022 |  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 233486 | N/A | N/A |
| XXXX | 61950 |  |  | Closed | 2022-02-18 21:42 | 2023-03-06 21:16 | Waived | 2 - Non-Material C B | Credit | Closing | Gap Credit Report Within 10 Days of Closing is Expired | Waived-Lender exception received for Gap credit report > 10 days of closing - Due Diligence Vendor-03/06/2023 <br> Resolved-Lender exception received for Gap credit report > 10 days of closing<br> - Due Diligence Vendor-02/22/2022 <br> Ready for Review-Document Uploaded. - Seller-02/18/2022 <br> Open-Gap Credit Report Date of XXXX is greater than 10 days from Transaction Date of XXXX and Gap Report Doc Status is Present. Please Provide - Due Diligence Vendor-01/11/2022 | Ready for Review-Document Uploaded. - Seller-02/18/2022 | Waived-Lender exception received for Gap credit report > 10 days of closing - Due Diligence Vendor-03/06/2023 <br>Resolved-Lender exception received for Gap credit report > 10 days of closing<br> - Due Diligence Vendor-02/22/2022 | custom.pdf |  | DTI 40.5%<br> Fico 673 | CA | Primary Residence | Purchase | NA | 243450 | Originator Post-Close | Yes |
| XXXX | 61950 |  |  | Closed | 2022-02-18 21:40 | 2022-02-22 16:22 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved- - Due Diligence Vendor-02/22/2022 <br> Ready for Review-Document Uploaded. - Seller-02/18/2022 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. Final CD dated XXXX and was signed by the borrower on XXXX. Disbursement date reflects XXXX which is before the borrower's signature. Please provide the dry funding PCCD. - Due Diligence Vendor-01/11/2022 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-01/11/2022 | Ready for Review-Document Uploaded. - Seller-02/18/2022 |  | FINAL HUD-1 SIGNED (5).pdf |  |  | CA | Primary Residence | Purchase | NA | 243818 | N/A | N/A |
| XXXX | 63047 |  |  | Closed | 2022-02-17 18:28 | 2022-02-18 14:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Other Property Insurance Policy Missing | Resolved-Property insurance document received - Due Diligence Vendor-02/18/2022 <br>Ready for Review-Document Uploaded. - Seller-02/17/2022 <br>Open-Supplemental Property Insurance document is missing. Hence, As per the FInal 1003 amount $29,226.40 is not verified. - Due Diligence Vendor-01/11/2022 | Ready for Review-Document Uploaded. - Seller-02/17/2022 | Resolved-Property insurance document received - Due Diligence Vendor-02/18/2022 | HAZARD INSURANCE.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 244900 | N/A | N/A |
| XXXX | 63047 |  |  | Closed | 2022-02-17 18:29 | 2022-02-18 14:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Gap Credit Report | Resolved-GAP credit not required for DSCR - Due Diligence Vendor-02/18/2022 <br>Ready for Review-Gap credit report is not applicable for DSCR program- no ratios are calculated - Seller-02/17/2022 <br>Open-Gap Credit Report is Missing - Due Diligence Vendor-01/11/2022 | Ready for Review-Gap credit report is not applicable for DSCR program- no ratios are calculated - Seller-02/17/2022 | Resolved-GAP credit not required for DSCR - Due Diligence Vendor-02/18/2022 |  |  |  | CA | Investment | Refinance | Cash Out - Other | 243682 | N/A | N/A |
| XXXX | 63051 |  |  | Closed | 2022-02-18 17:38 | 2023-03-06 14:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/18/2022 <br>Ready for Review-Document Uploaded. - Seller-02/18/2022 <br>Open-Final HUD-1 Document is Missing Final HUD-1 Document is Missing - Due Diligence Vendor-01/11/2022 | Ready for Review-Document Uploaded. - Seller-02/18/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/18/2022 | 4045_001.pdf |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 244661 | N/A | N/A |
| XXXX | 63051 |  |  | Closed | 2022-02-17 18:49 | 2023-03-03 20:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount of $XXXX is less than or equal to the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-02/18/2022 <br> Ready for Review-Program maximum loan amount is $XXXX not $XXXX - Seller-02/17/2022 <br> Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-01/11/2022 | Ready for Review-Program maximum loan amount is XXXX not XXXX - Seller-02/17/2022 | Resolved-Audited Loan Amount of $XXXX is less than or equal to the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-02/18/2022 |  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 244666 | N/A | N/A |
| XXXX | #N/A |  |  | Closed | 2022-01-19 15:20 | 2022-01-19 18:40 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Thank you, Values match - Due Diligence Vendor-01/19/2022 <br> Ready for Review-The DTI is correct, the 6 XXXX and the 2 XXXX are not to be used in DTI calculations - Seller-01/19/2022 <br> Open-All liabilities and income updated but there is a mismatch in DTI Tape data is 19% and True data is 26.05% - Due Diligence Vendor-01/13/2022 | Ready for Review-The DTI is correct, the 6 Telecom self-reported and the 2 utility self-reported are not to be used in DTI calculations - Seller-01/19/2022 | Resolved-Thank you, Values match - Due Diligence Vendor-01/19/2022 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 249100 | N/A | N/A |
| XXXX | 61922 |  |  | Closed | 2022-02-17 19:44 | 2022-02-18 14:16 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Corrected liabilities, DTI within 2% - Due Diligence Vendor-02/18/2022 <br>Ready for Review-Document Uploaded. 37.649% is correct. See 1008 attached - Seller-02/17/2022 <br>Open-Al liabilities Income Updated But there is Mismatch in Qualifying Total Debt Income Ratio Tape data is 37.649% but true data is 31.8% - Due Diligence Vendor-01/12/2022 | Ready for Review-Document Uploaded. 37.649% is correct. See 1008 attached - Seller-02/17/2022 | Resolved-Corrected liabilities, DTI within 2% - Due Diligence Vendor-02/18/2022 | transmittal_19_pdf (6).pdf |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 246661 | N/A | N/A |
| XXXX | 61948 |  |  | Closed | 2022-03-08 20:57 | 2022-09-30 22:40 | Waived | 2 - Non-Material D B | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Waived-Only 1 appraisal - Due Diligence Vendor-09/30/2022 <br> Waived-Have desk review and Low LTV and new guides allowed. Approved by Pat Sheedy<br> - Due Diligence Vendor-09/28/2022 <br> Resolved-Received Exception for only having one appraisal. Low LTV and new guidelines allow. - Due Diligence Vendor-03/09/2022 <br> Ready for Review-Document Uploaded. - Seller-03/08/2022 <br> Open-Loan amount is $XXXX Second Appraisal is Missing. Please Provide. - Due Diligence Vendor-01/12/2022 | Ready for Review-Document Uploaded. - Seller-03/08/2022 | Waived-Only 1 appraisal - Due Diligence Vendor-09/30/2022 <br> Waived-Have desk review and Low LTV and new guides allowed. Approved by XXXX<br> - Due Diligence Vendor-09/28/2022 <br> Resolved-Received Exception for only having one appraisal. Low LTV and new guidelines allow. - Due Diligence Vendor-03/09/2022 | INVESTOR EXCEPTIONS (4).pdf<br>DESK REVIEW (2).pdf |  | FICO 749<br> Income $200,000<br> LTV 64.90% | CA | Primary Residence | Refinance | Cash Out - Other | 247310 | Originator Pre-Close | Yes |
| XXXX | 61948 |  |  | Closed | 2022-04-18 20:51 | 2022-04-19 21:34 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Updated with revised and corrected CD. - Due Diligence Vendor-04/19/2022 <br>Ready for Review-Document Uploaded. Please see corrected PCCD - Seller-04/18/2022 <br>Open-<br> $70.90 ten % tolerance due to added fee County Property Tax on the PCCD 3/10/2022 without a valid Change Of Circumstance (COC). Tolerance requires a valid Change of Circumstance (COC), PCCD, and proof of reimbursement with proof of delivery (mailing label). <br> - Due Diligence Vendor-03/14/2022 <br>Rescinded-Corrected points and fees data entry error and re-ran CE. This hit was not reproduced after the corrections were made. This finding is rescinded. - Due Diligence Vendor-03/14/2022 <br>Ready for Review-Document Uploaded. See final CD - Seller-03/10/2022 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,110.00) exceed the comparable charges ($2,785.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Please Provide COC For Fees Increased. - Due Diligence Vendor-01/12/2022 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,110.00) exceed the comparable charges ($2,785.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-01/12/2022 | Ready for Review-Document Uploaded. Please see corrected PCCD - Seller-04/18/2022 <br>Ready for Review-Document Uploaded. See final CD - Seller-03/10/2022 | Resolved-Updated with revised and corrected CD. - Due Diligence Vendor-04/19/2022 <br>Rescinded-Corrected points and fees data entry error and re-ran CE. This hit was not reproduced after the corrections were made. This finding is rescinded. - Due Diligence Vendor-03/14/2022 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 247065 | N/A | N/A |
| XXXX | 61948 |  |  | Closed | 2022-03-25 23:11 | 2022-03-28 17:08 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved- - Due Diligence Vendor-03/28/2022 <br> Ready for Review-Document Uploaded. - Seller-03/25/2022 <br> Counter-Final 1003 has the income at XXXX The income calculation sheet on page. 79 has the income at XXXX. Need revised 1008 or revised income calculation sheet. - Due Diligence Vendor-03/11/2022 <br> Ready for Review-Document Uploaded. - Seller-03/11/2022 <br> Open-Income is Different on Final 1003, 1008 and Income Worksheet. and Gap Credit Report is Missing. Due to that HTI and DTI is Mismatch. - Due Diligence Vendor-01/12/2022 | Ready for Review-Document Uploaded. - Seller-03/25/2022 <br>Ready for Review-Document Uploaded. - Seller-03/11/2022 |  | transmittal_19_pdf (17).pdf<br>transmittal_19_pdf (28).pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 247282 | N/A | N/A |
| XXXX | 61948 |  |  | Closed | 2022-03-11 00:11 | 2022-03-28 17:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Gap Credit Report | Resolved-Gap Credit Report is Provided or Not Applicable - Due Diligence Vendor-03/11/2022 <br>Ready for Review-Document Uploaded. - Seller-03/11/2022 <br>Open-Gap Credit Report is Missing Gap Credit Report is Missing. Please Provide - Due Diligence Vendor-01/12/2022 <br>Open-Gap Credit Report is Missing - Due Diligence Vendor-01/12/2022 | Ready for Review-Document Uploaded. - Seller-03/11/2022 | Resolved-Gap Credit Report is Provided or Not Applicable - Due Diligence Vendor-03/11/2022 | CREDIT REFRESH (3).pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 246999 | N/A | N/A |
| XXXX | 61948 |  |  | Closed | 2022-03-10 23:55 | 2022-03-14 20:23 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD issued and CE re-ran. Finding resolved. - Due Diligence Vendor-03/14/2022 <br> Ready for Review-Document Uploaded. Final CD attached confirms disbursement date XXXX - no recission violation - Seller-03/10/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Right to Cancel Date is 12/27/2021 and Disbursement date is XXXX and Notary date is XXXX. This is Valid Finding. funding date is before consummation's date - Due Diligence Vendor-01/12/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-01/12/2022 | Ready for Review-Document Uploaded. Final CD attached confirms disbursement date XXXX - no recission violation - Seller-03/10/2022 | Resolved-PCCD issued and CE re-ran. Finding resolved. - Due Diligence Vendor-03/14/2022 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 247061 | N/A | N/A |
| XXXX | 61948 |  |  | Closed | 2022-03-11 00:11 | 2022-03-14 19:39 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Ready for Review-Document Uploaded. - Seller-03/11/2022 <br>Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). - Due Diligence Vendor-01/12/2022 | Ready for Review-Document Uploaded. - Seller-03/11/2022 |  | Counseling list.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 247556 | N/A | N/A |
| XXXX | 61948 |  |  | Closed | 2022-03-11 00:09 | 2022-03-11 16:45 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-03/11/2022 <br>Ready for Review-Document Uploaded. - Seller-03/11/2022 <br>Open-Borrower 1 Ethnicity Selection is Not Provided Borrower 1 Ethnicity, Gender and Race selection is not provided in the Demographic Information with the Final 1003. - Due Diligence Vendor-01/12/2022 | Ready for Review-Document Uploaded. - Seller-03/11/2022 | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-03/11/2022 | 0041_001.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 246261 | N/A | N/A |
| XXXX | 61948 |  |  | Closed | 2022-01-12 14:41 | 2022-03-11 16:45 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Gender Selection is Not Provided | Resolved-Borrower 1 Gender Selection is Provided - Due Diligence Vendor-03/11/2022 <br>Rescinded-Borrower 1 Gender Selection is Not Provided Addressed in FCRE1000. - Due Diligence Vendor-01/12/2022 |  | Resolved-Borrower 1 Gender Selection is Provided - Due Diligence Vendor-03/11/2022 <br>Rescinded-Borrower 1 Gender Selection is Not Provided Addressed in FCRE1000. - Due Diligence Vendor-01/12/2022 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 246262 | N/A | N/A |
| XXXX | 61948 |  |  | Closed | 2022-01-12 14:41 | 2022-03-11 16:45 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-03/11/2022 <br>Rescinded-Borrower 1 Race Selection is Not Provided Addressed in FCRE1000. - Due Diligence Vendor-01/12/2022 |  | Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-03/11/2022 <br>Rescinded-Borrower 1 Race Selection is Not Provided Addressed in FCRE1000. - Due Diligence Vendor-01/12/2022 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 246263 | N/A | N/A |
| XXXX | 62299 |  |  | Closed | 2022-02-18 17:18 | 2022-02-22 18:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Settlement Statement received and fees entered. Finding is resolved. - Due Diligence Vendor-02/22/2022 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/22/2022 <br>Ready for Review-Document Uploaded. - Seller-02/18/2022 <br>Open-Final HUD-1 Document is Missing Missing Final HUD/Settlement Statement. File contains Estimated Closing Statement only. Please provide certified Final HUD/Settlement Statement from the Title Company. - Due Diligence Vendor-01/14/2022 | Ready for Review-Document Uploaded. - Seller-02/18/2022 | Resolved-Final HUD-1 Settlement Statement received and fees entered. Finding is resolved. - Due Diligence Vendor-02/22/2022 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/22/2022 | 4044_001.pdf |  |  | CA | Investment | Purchase | NA | 251111 | N/A | N/A |
| XXXX | 62260 |  |  | Closed | 2022-03-17 21:59 | 2023-03-03 20:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/18/2022 <br>Ready for Review-Document Uploaded. - Seller-03/17/2022 <br>Open-The Final 1003 is Missing Missing the Final 1003 and Demographics. - Due Diligence Vendor-01/13/2022 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-01/13/2022 | Ready for Review-Document Uploaded. - Seller-03/17/2022 | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/18/2022 | 0330_001.pdf |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 249792 | N/A | N/A |
| XXXX | 62260 |  |  | Closed | 2022-03-18 17:40 | 2022-03-21 13:06 | Resolved | 1 - Information C A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved- - Due Diligence Vendor-03/21/2022 <br>Ready for Review-Document Uploaded. - Seller-03/18/2022 <br>Open-Provide evidence of rate lock - Due Diligence Vendor-03/18/2022 | Ready for Review-Document Uploaded. - Seller-03/18/2022 |  | ratelockconfirmation (7).pdf |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 356203 | N/A | N/A |
| XXXX | 62260 |  |  | Closed | 2022-03-17 21:56 | 2022-03-18 15:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final 1003 received. Finding resolved. - Due Diligence Vendor-03/18/2022 <br>Ready for Review-Document Uploaded. - Seller-03/17/2022 <br>Open-Final HUD-1 Document is Missing \*\*\* Final Hud is missing from the file. \*\*\* - Due Diligence Vendor-01/12/2022 | Ready for Review-Document Uploaded. - Seller-03/17/2022 | Resolved-Final 1003 received. Finding resolved. - Due Diligence Vendor-03/18/2022 | 0329_001.pdf |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 248052 | N/A | N/A |
| XXXX | 61935 |  |  | Closed | 2022-03-28 23:02 | 2022-03-29 13:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Ready for Review-Document Uploaded. - Seller-03/28/2022 <br> Open- $90 zero % tolerance due to increase in the Loan Origination Fee on the Final CD XXXX without a valid Change Of Circumstance (COC). Fee increased on the revised CD dated XXXX. Tolerance requires a valid Change of Circumstance (COC), PCCD, and proof of reimbursement with proof of delivery (mailing label). - Due Diligence Vendor-03/15/2022 <br> Open-$90 zero % tolerance due to increase in the Loan Origination Fee on the Final CD XXXX without a valid Change Of Circumstance (COC). Fee increased on the revised CD dated XXXX. Tolerance requires a valid Change of Circumstance (COC), PCCD, and proof of reimbursement with proof of delivery (mailing label). <br> - Due Diligence Vendor-02/22/2022 <br> Resolved-Resolved - Due Diligence Vendor-02/22/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/22/2022 | Ready for Review-Document Uploaded. - Seller-03/28/2022 | Resolved-Resolved - Due Diligence Vendor-02/22/2022 | SIGNED CD (7).pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 314204 | N/A | N/A |
| XXXX | 61935 |  |  | Closed | 2022-02-22 23:50 | 2022-03-29 13:35 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Rescinded-Violation addressed in finding-XXXX. - Due Diligence Vendor-03/15/2022 <br> Open-$90 zero % tolerance due to increase in the Loan Origination Fee on the Final CD XXXX without a valid Change Of Circumstance (COC). Fee increased on the revised CD dated XXXX. Tolerance requires a valid Change of Circumstance (COC), PCCD, and proof of reimbursement with proof of delivery (mailing label). <br> - Due Diligence Vendor-02/22/2022 <br> Resolved-Resolved - Due Diligence Vendor-02/22/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/22/2022 |  | Rescinded-Violation addressed in finding-XXXXX. - Due Diligence Vendor-03/15/2022 <br> Resolved-Resolved - Due Diligence Vendor-02/22/2022 |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 314205 | N/A | N/A |
| XXXX | 61935 |  |  | Closed | 2022-03-28 23:03 | 2022-03-29 13:35 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Ready for Review-Document Uploaded. - Seller-03/28/2022 <br> Open-$90 zero % tolerance due to increase in the Loan Origination Fee on the Final CD XXXX without a valid Change Of Circumstance (COC). Fee increased on the revised CD dated XXXX. Tolerance requires a valid Change of Circumstance (COC), PCCD, and proof of reimbursement with proof of delivery (mailing label). - Due Diligence Vendor-03/22/2022 <br> Open-$90 zero % tolerance due to increase in the Loan Origination Fee on the Final CD XXXX without a valid Change Of Circumstance (COC). <br> Fee increased on the revised CD dated XXXX. <br>Tolerance requires a valid Change of Circumstance (COC), PCCD, and proof of reimbursement with proof of delivery (mailing label). - Due Diligence Vendor-03/15/2022 <br> Open-$90 zero % tolerance due to increase in the Loan Origination Fee on the Final CD XXXX without a valid Change Of Circumstance (COC). Fee increased on the revised CD dated XXXX. Tolerance requires a valid Change of Circumstance (COC), PCCD, and proof of reimbursement with proof of delivery (mailing label). <br> - Due Diligence Vendor-02/22/2022 <br> Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $90.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/22/2022 | Ready for Review-Document Uploaded. - Seller-03/28/2022 | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $90.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/22/2022 | SIGNED CD (7).pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 314206 | N/A | N/A |
| XXXX | 61935 |  |  | Closed | 2022-02-18 22:44 | 2022-02-22 23:58 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD issued with new disbursement date XXXX. Finding is resolved. - Due Diligence Vendor-02/22/2022 <br> Resolved-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-01/14/2022 <br> Ready for Review-Document Uploaded. - Seller-02/18/2022 <br> Counter- Please send a PCCD reflecting Closing Date XXXX with updated Disbursement date after XXXX - Due Diligence Vendor-02/08/2022 <br> Open-Please send a PCCD reflecting Closing Date of XXXX with updated Disbursement date after XXXX - Due Diligence Vendor-01/26/2022 | Ready for Review-Document Uploaded. - Seller-02/18/2022 | Resolved-PCCD issued with new disbursement date XXXX. Finding is resolved. - Due Diligence Vendor-02/22/2022 <br> Resolved-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-01/14/2022 | FINAL HUD-1 SIGNED (6).pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 252780 | N/A | N/A |
| XXXX | 62262 |  |  | Closed | 2022-01-18 16:09 | 2022-03-23 15:12 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Addressed in finding-XXXX. Finding rescinded. - Due Diligence Vendor-01/18/2022 <br> Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/18/2022 |  | Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Addressed in finding-XXXX. Finding rescinded. - Due Diligence Vendor-01/18/2022 <br> Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/18/2022 |  |  |  | TX | Primary Residence | Purchase | NA | 254437 | N/A | N/A |
| XXXX | 62262 |  |  | Closed | 2022-01-18 16:09 | 2022-03-23 15:12 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Addressed in finding-XXXX. Finding rescinded. - Due Diligence Vendor-01/18/2022 <br> Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/18/2022 |  | Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Addressed in finding-XXXX. Finding rescinded. - Due Diligence Vendor-01/18/2022 <br> Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/18/2022 |  |  |  | TX | Primary Residence | Purchase | NA | 254438 | N/A | N/A |
| XXXX | 62262 |  |  | Closed | 2022-03-22 21:59 | 2022-03-23 15:12 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Ready for Review-Document Uploaded. - Seller-03/22/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,280.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*<br>This loan failed the charges that cannot test due to an increase in Discount Points to the amount of $3280.00 without a valid Change of Circumstance Form on Final CD 12/30/2021. Please provide COC, or tolerance refund check in the amount of $3280.00, PCCD, LOE, and shipping envelope. - Due Diligence Vendor-01/18/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,280.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/18/2022 | Ready for Review-Document Uploaded. - Seller-03/22/2022 |  | CIC _1 COVER SHEET (2).pdf |  |  | TX | Primary Residence | Purchase | NA | 254439 | N/A | N/A |
| XXXX | 62270 |  |  | Closed | 2022-02-22 17:24 | 2022-09-28 17:56 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Asset 1 Not Expired - Due Diligence Vendor-02/23/2022 <br> Ready for Review-Loan Disbursed XXXX; assets expire XXXX - Seller-02/22/2022 <br> Open-Asset 1 Expired - Due Diligence Vendor-01/13/2022 | Ready for Review-Loan Disbursed XXXX; assets expire XXXX - Seller-02/22/2022 | Resolved-Asset 1 Not Expired - Due Diligence Vendor-02/23/2022 |  |  |  | CA | Primary Residence | Purchase | NA | 250391 | N/A | N/A |
| XXXX | 62282 |  |  | Closed | 2022-02-22 17:44 | 2022-02-23 20:13 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Received - Due Diligence Vendor-02/23/2022 <br>Ready for Review-Document Uploaded. - Seller-02/22/2022 <br>Open-No Approval in file - Due Diligence Vendor-01/13/2022 | Ready for Review-Document Uploaded. - Seller-02/22/2022 | Resolved-Received - Due Diligence Vendor-02/23/2022 | Ap.pdf |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 249644 | N/A | N/A |
| XXXX | 61969 |  |  | Closed | 2022-02-22 18:32 | 2022-02-23 19:03 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Client provided updated final 1003 document uploaded - Due Diligence Vendor-02/23/2022 <br> Ready for Review-Document Uploaded. All liablities are included. See final 1003 attached - Seller-02/22/2022 <br> Open-Some of the liabilities are missing in the credit report. XXXX XXXX XXXX #XXXX $XXXX, XXXX XXXX XXXX #XXXX $XXXX, XXXX/XXXX #XXXX $XXXX. Hence, DTI not Match. - Due Diligence Vendor-01/14/2022 | Ready for Review-Document Uploaded. All liablities are included. See final 1003 attached - Seller-02/22/2022 | Resolved-Client provided updated final 1003 document uploaded - Due Diligence Vendor-02/23/2022 | _1003_19_pdf (18).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 252202 | N/A | N/A |
| XXXX | 63080 |  |  | Closed | 2022-09-28 22:16 | 2023-03-06 14:47 | Waived | 2 - Non-Material B | Credit | Credit | CLTV/LTV exceeds guidelines | Waived-Exception approved: 5% LTV (Guideline is 65% with Forbearance 3+ Months). Approval is on p 4 of the Credit Pkg. - Due Diligence Vendor-09/28/2022 |  | Waived-Exception approved: 5% LTV (Guideline is 65% with Forbearance 3+ Months). Approval is on p 4 of the Credit Pkg. - Due Diligence Vendor-09/28/2022 |  |  | DSCR > 1%: 1.16<br> 3 Months of own funds for reserves: 6,675 | CA | Investment | Refinance | Cash Out - Other | 669696 | Originator Pre-Close | Yes |
| XXXX | 63080 |  |  | Closed | 2022-02-22 18:54 | 2022-02-23 21:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/23/2022 <br>Ready for Review-Document Uploaded. - Seller-02/22/2022 <br>Open-Final HUD-1 Document is Missing - Due Diligence Vendor-01/13/2022 | Ready for Review-Document Uploaded. - Seller-02/22/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/23/2022 | 4143_001.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 249579 | N/A | N/A |
| XXXX | 62279 |  |  | Closed | 2022-04-18 23:06 | 2023-03-03 10:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/03/2023 <br>Resolved-HUD-1 fees entered. Finding is resolved. - Due Diligence Vendor-04/19/2022 <br>Ready for Review-Document Uploaded. - Seller-04/18/2022 <br>Open-Final HUD-1 Document is Missing Missing Final HUD/Settlement Statement. File contains Estimated Closing Statement only. Please provide certified Final HUD/Settlement Statement from the Title Company. - Due Diligence Vendor-01/20/2022 | Ready for Review-Document Uploaded. - Seller-04/18/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/03/2023 <br>Resolved-HUD-1 fees entered. Finding is resolved. - Due Diligence Vendor-04/19/2022 | FINAL HUD-1 SIGNED (151).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 259471 | N/A | N/A |
| XXXX | 62307 |  |  | Closed | 2022-01-19 20:20 | 2023-03-07 01:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception on file for DTI over 50% is in file, finding has been waived. - Due Diligence Vendor-03/07/2023 <br>Open- - Due Diligence Vendor-03/06/2023 <br>Resolved-Audited DTI of 51.84% exceeds Guideline DTI of 50% Exception Letter in file. Finding resolved. - Due Diligence Vendor-01/19/2022 |  | Waived-Exception on file for DTI over 50% is in file, finding has been waived. - Due Diligence Vendor-03/07/2023 <br>Resolved-Audited DTI of 51.84% exceeds Guideline DTI of 50% Exception Letter in file. Finding resolved. - Due Diligence Vendor-01/19/2022 |  |  | Low LTV (52.05%), High FICO (767, over 47 of requirement 720) | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 258085 | Originator Pre-Close | Yes |
| XXXX | 62716 |  |  | Closed | 2022-02-22 23:13 | 2022-02-23 18:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/23/2022 <br>Ready for Review-Document Uploaded. - Seller-02/22/2022 <br>Open-Final HUD-1 Document is Missing In File Final HUD-1 Document is Missing Please Provide<br> - Due Diligence Vendor-01/19/2022 | Ready for Review-Document Uploaded. - Seller-02/22/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/23/2022 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 257253 | N/A | N/A |
| XXXX | 62716 |  |  | Closed | 2022-02-23 18:26 | 2022-02-23 18:26 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-02/23/2022 |  | Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-02/23/2022 |  |  |  | CA | Investment | Refinance | Cash Out - Other | 315414 | N/A | N/A |
| XXXX | 63057 |  |  | Closed | 2022-02-22 23:29 | 2022-09-29 17:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) - Due Diligence Vendor-02/23/2022 <br>Ready for Review-This does not apply to this loan - Seller-02/22/2022 <br>Open-Business Purpose Affidavit Document is Missing, Please Provide. - Due Diligence Vendor-01/19/2022 | Ready for Review-This does not apply to this loan - Seller-02/22/2022 | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) - Due Diligence Vendor-02/23/2022 |  |  |  | CO | Investment | Purchase | NA | 257469 | N/A | N/A |
| XXXX | 63057 |  |  | Closed | 2022-09-28 22:50 | 2022-09-28 22:50 | Waived | 2 - Non-Material B | Credit | Credit | CLTV/LTV exceeds guidelines | Waived-Exception Email dated 12/15/2021 from XXXX (p 2CR). 80% LTV approved in lieu of 75%. Borrower was 10 months old when he came in XXXX, so he has been here since XXXX. Married the XXXX in XXXX. - Due Diligence Vendor-09/28/2022 |  | Waived-Exception Email dated 12/15/2021 from XXXX (p 2CR). 80% LTV approved in lieu of 75%. Borrower was 10 months old when he came in 1989, so he has been here since XXXX. Married the XXXX in XXXX. - Due Diligence Vendor-09/28/2022 |  |  | Compensating Factors: Exception for VISA type (C33) for LTV of 80% with a 662 mid. Borrower was 10 months old when he came in 1989, so he had been here since 1989. Married to a US citizen in 2013. Borrower's have good steady income and have good overall credit, have shown the ability to pay a Mtg for 4 yrs, proceeds will be from the sale of their current home, and they will have about 12 months reserves as well. <br> Bank statement income is good with analytics attached. Funds from sale of current primary going to net roughly $120,000, plus they have $30,000 in business account. Funds to close roughly $110,000, so we will have roughly $30,000 in reserves (12 months). | CO | Investment | Purchase | NA | 669737 | Originator Pre-Close | Yes |
| XXXX | 63057 |  |  | Closed | 2022-02-22 23:27 | 2022-02-23 19:40 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-This is not a DSCR program - Due Diligence Vendor-02/23/2022 <br>Ready for Review-THis is not a DSCR program - Seller-02/22/2022 <br>Open-Missing DSCR ratio - Due Diligence Vendor-02/14/2022 | Ready for Review-THis is not a DSCR program - Seller-02/22/2022 | Resolved-This is not a DSCR program - Due Diligence Vendor-02/23/2022 |  |  |  | CO | Investment | Purchase | NA | 301081 | N/A | N/A |
| XXXX | 63057 |  |  | Closed | 2022-02-22 23:29 | 2022-02-23 19:38 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Client provided Lender Loan approval - Due Diligence Vendor-02/23/2022 <br>Ready for Review-Document Uploaded. - Seller-02/22/2022 <br>Open-Lender loan approval is missing<br> - Due Diligence Vendor-02/14/2022 | Ready for Review-Document Uploaded. - Seller-02/22/2022 | Resolved-Client provided Lender Loan approval - Due Diligence Vendor-02/23/2022 | Ap.pdf |  |  | CO | Investment | Purchase | NA | 301079 | N/A | N/A |
| XXXX | 62703 |  |  | Closed | 2022-02-22 23:33 | 2022-02-23 14:58 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Client provided updated document with All interested parties checked - Due Diligence Vendor-02/23/2022 <br> Ready for Review-Document Uploaded. We do not run LDP/GSA for HOI, Credit reporting agency- appraiser & Appraisal agency included on the attached - Seller-02/22/2022 <br> Open-All Interested Parties Not Checked with Exclusionary Lists HOI, Credit reporting agency, Appraiser and Appraisal firm as well as Clear Capital and borrowers company, XXXX not screened. - Due Diligence Vendor-01/20/2022 | Ready for Review-Document Uploaded. We do not run LDP/GSA for HOI, Credit reporting agency- appraiser & Appraisal agency included on the attached - Seller-02/22/2022 | Resolved-Client provided updated document with All interested parties checked - Due Diligence Vendor-02/23/2022 | UNDERWRITING CONDITIONS.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 259526 | N/A | N/A |
| XXXX | 62703 |  |  | Closed | 2022-02-22 23:36 | 2022-02-23 14:57 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-client provided updated TITLE document with Proposed Insured Amount: <br> $XXXX - Due Diligence Vendor-02/23/2022 <br> Ready for Review-Document Uploaded. - Seller-02/22/2022 <br> Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-01/20/2022 | Ready for Review-Document Uploaded. - Seller-02/22/2022 | Resolved-client provided updated TITLE document with Proposed Insured Amount: <br> $350,000.00 - Due Diligence Vendor-02/23/2022 | PRELIM TITLE REPORT.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 259453 | N/A | N/A |
| XXXX | 62308 |  |  | Closed | 2022-05-09 21:32 | 2023-03-06 16:25 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Updated disbursement date as per PCCD provided, re-ran CE, finding was resolved. - Due Diligence Vendor-05/10/2022 <br> Ready for Review-Document Uploaded. Disbursement date XXXX. See PCCd attached - Seller-05/09/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Dates are updated as per document. - Due Diligence Vendor-01/24/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-01/24/2022 | Ready for Review-Document Uploaded. Disbursement date XXXX. See PCCd attached - Seller-05/09/2022 | Resolved-Updated disbursement date as per PCCD provided, re-ran CE, finding was resolved. - Due Diligence Vendor-05/10/2022 | FINAL HUD-1 SIGNED (230).pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 265784 | N/A | N/A |
| XXXX | 62308 |  |  | Closed | 2022-05-19 12:48 | 2023-03-06 15:54 | Waived | 2 - Non-Material B | Credit | Credit | Credit history does not meet guidelines | Waived-Exception is on page 5 <br>50+ months reserves<br> 22% LTV<br> DTI 6.06<br>- Due Diligence Vendor-08/31/2022 <br> Waived-Borrower has XXXX XXXX XXXX has been given Please refer to page. 5. - Due Diligence Vendor-05/27/2022 <br> Waived-Borrower has XXXX XXXX XXXX has been given has 50 plus months reserves and 22 percent with low DTI. Please refer to page. 5. - Due Diligence Vendor-05/19/2022 |  | Waived-Exception is on page 5 <br>50+ months reserves<br> 22% LTV<br> DTI 6.06<br>- Due Diligence Vendor-08/31/2022 <br> Waived-Borrower has XXXX XXXX XXXX has been given Please refer to page. 5. - Due Diligence Vendor-05/27/2022 <br> Waived-Borrower has XXXX XXXX XXXX has been given has 50 plus months reserves and 22 percent with low DTI. Please refer to page. 5. - Due Diligence Vendor-05/19/2022 |  |  | 1. 50 plus months reserves. <br> 2. 22% LTV. <br> 3. DTI: 4.12 front end and 6.06 back-end DTI<br> 4. Strong residual (37,577.01) | CA | Primary Residence | Refinance | Cash Out - Other | 463566 | Originator Pre-Close | Yes |
| XXXX | 62308 |  |  | Closed | 2022-05-17 14:41 | 2022-05-18 14:08 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Client provided loan approval document uploaded resolved - Due Diligence Vendor-05/18/2022 <br>Ready for Review-Document Uploaded. - Seller-05/17/2022 <br>Open-Approval letter on page 1 states full document. However on page. 686 states is 12 month business bank statement program. Docs received supports 12 month program. Please provide revised approval letter that reflects for 12 month bank statement program. - Due Diligence Vendor-05/12/2022 | Ready for Review-Document Uploaded. - Seller-05/17/2022 | Resolved-Client provided loan approval document uploaded resolved - Due Diligence Vendor-05/18/2022 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 453589 | N/A | N/A |
| XXXX | 62751 |  |  | Closed | 2022-05-16 21:34 | 2022-05-17 18:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Settlement Statement received and fees entered. Finding is resolved. - Due Diligence Vendor-05/17/2022 <br>Ready for Review-Document Uploaded. - Seller-05/16/2022 <br>Open-Final HUD-1 Document is Missing HUD-1 document is missing in file. - Due Diligence Vendor-01/24/2022 | Ready for Review-Document Uploaded. - Seller-05/16/2022 | Resolved-Final HUD-1 Settlement Statement received and fees entered. Finding is resolved. - Due Diligence Vendor-05/17/2022 | XXXX |  |  | CA | Investment | Purchase | NA | 266455 | N/A | N/A |
| XXXX | 62727 |  |  | Closed | 2022-04-18 22:48 | 2022-04-19 13:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-fees entered. Finding resolved. - Due Diligence Vendor-04/19/2022 <br> Ready for Review-Document Uploaded. - Seller-04/18/2022 <br> Open-Final HUD-1 Document is Missing Missing Final HUD/Settlement Statement. File contains Estimated Closing Statement only. Please provide a stamped/certified Final HUD/Settlement Statement from the Title Company with correct Closing Date XXXX and correct Disbursement Date. - Due Diligence Vendor-01/25/2022 | Ready for Review-Document Uploaded. - Seller-04/18/2022 | Resolved-fees entered. Finding resolved. - Due Diligence Vendor-04/19/2022 | FINAL HUD-1 SIGNED (149).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 269162 | N/A | N/A |
| XXXX | 62750 |  |  | Closed | 2022-04-18 17:42 | 2022-04-18 18:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-RESPA pre 2010 fees entered.. Finding is resolved. - Due Diligence Vendor-04/18/2022 <br>Ready for Review-Document Uploaded. - Seller-04/18/2022 <br>Open-Final HUD-1 Document is Missing need signed and dated final statement - Due Diligence Vendor-03/31/2022 <br>Open-Final HUD-1 Document is Missing need signed and dated final statement - Due Diligence Vendor-01/24/2022 | Ready for Review-Document Uploaded. - Seller-04/18/2022 | Resolved-RESPA pre 2010 fees entered.. Finding is resolved. - Due Diligence Vendor-04/18/2022 | FINAL HUD-1 SIGNED (145).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 266477 | N/A | N/A |
| XXXX | 62740 |  |  | Closed | 2022-04-21 21:38 | 2022-04-22 17:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved- - Due Diligence Vendor-04/22/2022 <br>Ready for Review-Document Uploaded. - Seller-04/21/2022 <br>Open-Final HUD-1 Document is Missing Final HUD-1/Closing disclosure is missing from file. - Due Diligence Vendor-01/25/2022 | Ready for Review-Document Uploaded. - Seller-04/21/2022 |  | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 268397 | N/A | N/A |
| XXXX | 63346 |  |  | Closed | 2022-03-17 21:49 | 2022-03-18 13:42 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Ready for Review-Document Uploaded. - Seller-03/17/2022 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). Application date is XXXX however SPL on file is dated XXXX. Please provide an SPL dated within 3 days of the application date. - Due Diligence Vendor-01/25/2022 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). - Due Diligence Vendor-01/25/2022 | Ready for Review-Document Uploaded. - Seller-03/17/2022 |  | INITIAL DISCLOSURE PACKAGE1.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 269450 | N/A | N/A |
| XXXX | 62733 |  |  | Closed | 2022-04-18 22:45 | 2022-04-19 13:09 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved- - Due Diligence Vendor-04/19/2022 <br>Ready for Review-on QM products allow HPML with impounds for taxes & insurance - Seller-04/18/2022 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Please reply to acknowledge that this loan is a high-priced transaction - Due Diligence Vendor-01/25/2022 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-01/25/2022 | Ready for Review-on QM products allow HPML with impounds for taxes & insurance - Seller-04/18/2022 |  |  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 269804 | N/A | N/A |
| XXXX | 63355 |  |  | Closed | 2022-03-29 21:28 | 2023-03-03 11:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/03/2023 <br>Resolved- - Due Diligence Vendor-03/30/2022 <br>Ready for Review-Document Uploaded. - Seller-03/29/2022 <br>Open-Final HUD-1 Document is Missing Final HUD 1 Missing - Due Diligence Vendor-01/31/2022 | Ready for Review-Document Uploaded. - Seller-03/29/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/03/2023 | FINAL HUD-1 SIGNED (74).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 277402 | N/A | N/A |
| XXXX | 63359 |  |  | Closed | 2022-03-29 18:48 | 2022-03-30 21:45 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Finding resolved - Due Diligence Vendor-03/30/2022 <br> Ready for Review-Document Uploaded. PCCD attached confirms disbursement date - Seller-03/29/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ROR in file Page 682 loan closed XXXX ... and ROR was signed XXXX ... but rescission dates on the ROR were not updated to reflect that ... not giving customer full 3 day rescission days - Due Diligence Vendor-01/31/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-01/31/2022 | Ready for Review-Document Uploaded. PCCD attached confirms disbursement date - Seller-03/29/2022 | Resolved-Finding resolved - Due Diligence Vendor-03/30/2022 | FINAL HUD-1 SIGNED (70).pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 279213 | N/A | N/A |
| XXXX | 63359 |  |  | Closed | 2022-03-29 18:47 | 2022-03-29 22:40 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Approval provided. - Due Diligence Vendor-03/29/2022 <br>Ready for Review-Document Uploaded. - Seller-03/29/2022 <br>Open-Please upload the Final Lender Approval Form. - Due Diligence Vendor-01/31/2022 | Ready for Review-Document Uploaded. - Seller-03/29/2022 | Resolved-Approval provided. - Due Diligence Vendor-03/29/2022 | Ap.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 279229 | N/A | N/A |
| XXXX | 63037 |  |  | Closed | 2022-09-28 23:06 | 2023-03-06 14:38 | Waived | 2 - Non-Material B | Credit | Credit | CLTV/LTV exceeds guidelines | Waived-Exception Approval from XXXX (p 4CR). 2ND HOME 85% LTV CASH OUT, - Due Diligence Vendor-09/28/2022 |  | Waived-Exception Approval from XXXX (p 4CR). 2ND HOME 85% LTV CASH OUT, - Due Diligence Vendor-09/28/2022 |  |  | Compensating Factors: 24 MOS BANK STATEMENTS, 24% DTI, 764 FICO, GOOD RESIDUAL. (38,168.85) | CA | Second Home | Refinance | Cash Out - Other | 669752 | Originator Pre-Close | Yes |
| XXXX | 63040 |  |  | Closed | 2022-03-29 21:10 | 2022-03-30 15:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved- - Due Diligence Vendor-03/30/2022 <br>Ready for Review-Document Uploaded. - Seller-03/29/2022 <br>Open-Final HUD-1 Document is Missing - Due Diligence Vendor-01/31/2022 | Ready for Review-Document Uploaded. - Seller-03/29/2022 |  | FINAL HUD-1 SIGNED (73).pdf |  |  | NV | Investment | Refinance | Cash Out - Other | 277870 | N/A | N/A |
| XXXX | 63048 |  |  | Closed | 2022-05-25 14:25 | 2023-03-06 13:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/25/2022 <br>Ready for Review-Document Uploaded. - Seller-05/25/2022 <br>Counter-Please provide a certified stamped copy of Final HUD-1 or settlement statement. - Due Diligence Vendor-05/23/2022 <br>Ready for Review-Document Uploaded. - Seller-05/23/2022 <br>Open-Final HUD-1 Document is Missing - Due Diligence Vendor-01/31/2022 | Ready for Review-Document Uploaded. - Seller-05/25/2022 <br>Ready for Review-Document Uploaded. - Seller-05/23/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/25/2022 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 279008 | N/A | N/A |
| XXXX | 62695 |  |  | Closed | 2022-02-18 18:19 | 2023-03-09 14:52 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-02/22/2022 <br>Resolved-Client provided updated 1003 - Due Diligence Vendor-02/18/2022 <br>Ready for Review-Document Uploaded. - Seller-02/18/2022 <br>Open-Borrower 1 Ethnicity Selection is Not Provided Borrower 1 Ethnicity, Gender and Race Selection is Not Provided The Final 1003 is missing. - Due Diligence Vendor-01/31/2022 | Ready for Review-Document Uploaded. - Seller-02/18/2022 | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-02/22/2022 <br>Resolved-Client provided updated 1003 - Due Diligence Vendor-02/18/2022 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 278877 | N/A | N/A |
| XXXX | 62695 |  |  | Closed | 2022-01-31 20:09 | 2023-03-09 14:52 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Gender Selection is Not Provided | Resolved-Borrower 1 Gender Selection is Provided - Due Diligence Vendor-02/22/2022 <br>Rescinded-Borrower 1 Gender Selection is Not Provided Addressed in FCRE1000 - Due Diligence Vendor-01/31/2022 |  | Resolved-Borrower 1 Gender Selection is Provided - Due Diligence Vendor-02/22/2022 <br>Rescinded-Borrower 1 Gender Selection is Not Provided Addressed in FCRE1000 - Due Diligence Vendor-01/31/2022 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 278878 | N/A | N/A |
| XXXX | 62695 |  |  | Closed | 2022-01-31 20:09 | 2023-03-09 14:52 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-02/22/2022 <br>Rescinded-Borrower 1 Race Selection is Not Provided Addressed in FCRE1000 - Due Diligence Vendor-01/31/2022 |  | Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-02/22/2022 <br>Rescinded-Borrower 1 Race Selection is Not Provided Addressed in FCRE1000 - Due Diligence Vendor-01/31/2022 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 278879 | N/A | N/A |
| XXXX | 62695 |  |  | Closed | 2022-02-18 18:18 | 2023-03-09 14:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/22/2022 <br>Ready for Review-Document Uploaded. - Seller-02/18/2022 <br>Open-The Final 1003 is Missing The Final 1003 is missing. - Due Diligence Vendor-01/31/2022 | Ready for Review-Document Uploaded. - Seller-02/18/2022 | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/22/2022 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 278880 | N/A | N/A |
| XXXX | 62695 |  |  | Closed | 2022-02-22 14:17 | 2022-02-22 22:37 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD issued with disbursement date XXXX. Finding is resolved. - Due Diligence Vendor-02/22/2022 <br> Ready for Review-Document Uploaded. - Seller-02/22/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-02/02/2022 | Ready for Review-Document Uploaded. - Seller-02/22/2022 | Resolved-PCCD issued with disbursement date XXXX. Finding is resolved. - Due Diligence Vendor-02/22/2022 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 283460 | N/A | N/A |
| XXXX | 62695 |  |  | Closed | 2022-02-22 22:31 | 2022-02-22 22:33 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test | Resolved-Resolved - Due Diligence Vendor-02/22/2022 <br>Open-This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section C. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount and a subtotal of all such amounts the consumer will pay for settlement services for which the consumer can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-02/22/2022 |  | Resolved-Resolved - Due Diligence Vendor-02/22/2022 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 314079 | N/A | N/A |
| XXXX | 62695 |  |  | Closed | 2022-02-18 18:16 | 2022-02-22 22:05 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-HPML Loans on Non-QM as long as we do not exceed 5% and close the loan with impounds - Due Diligence Vendor-02/22/2022 <br>Ready for Review-We allow HPML Loans on Non-QM as long as we do not exceed 5% and close the loan with impounds per our guidelines page 10. - Seller-02/18/2022 <br>Open-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))<br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.<br> While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-02/02/2022 | Ready for Review-We allow HPML Loans on Non-QM as long as we do not exceed 5% and close the loan with impounds per our guidelines page 10. - Seller-02/18/2022 | Resolved-HPML Loans on Non-QM as long as we do not exceed 5% and close the loan with impounds - Due Diligence Vendor-02/22/2022 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 283462 | N/A | N/A |
| XXXX | 62695 |  |  | Closed | 2022-02-18 18:16 | 2022-02-22 22:04 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML Loans on Non-QM as long as we do not exceed 5% and close the loan with impounds - Due Diligence Vendor-02/22/2022 <br>Ready for Review-We allow HPML Loans on Non-QM as long as we do not exceed 5% and close the loan with impounds per our guidelines page 10. - Seller-02/18/2022 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-02/02/2022 | Ready for Review-We allow HPML Loans on Non-QM as long as we do not exceed 5% and close the loan with impounds per our guidelines page 10. - Seller-02/18/2022 | Resolved-HPML Loans on Non-QM as long as we do not exceed 5% and close the loan with impounds - Due Diligence Vendor-02/22/2022 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 283461 | N/A | N/A |
| XXXX | 63055 |  |  | Closed | 2022-03-14 16:09 | 2022-03-15 16:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD1 information was added - Due Diligence Vendor-03/15/2022 <br>Ready for Review-Document Uploaded. - Seller-03/14/2022 <br>Open-Hud-1 Document is missing. - Due Diligence Vendor-02/01/2022 | Ready for Review-Document Uploaded. - Seller-03/14/2022 | Resolved-Final HUD1 information was added - Due Diligence Vendor-03/15/2022 | FINAL HUD-1 SIGNED (37).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 281422 | N/A | N/A |
| XXXX | 63062 |  |  | Closed | 2022-05-18 21:04 | 2022-05-18 21:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved- - Due Diligence Vendor-05/18/2022 <br>Ready for Review-Document Uploaded. - Seller-05/18/2022 <br>Counter-Please provide Final settlement statement with the certified stamp. - Due Diligence Vendor-05/11/2022 <br>Ready for Review-Document Uploaded. - Seller-05/10/2022 <br>Open-Final HUD 1 Missing - Due Diligence Vendor-02/03/2022 | Ready for Review-Document Uploaded. - Seller-05/18/2022 <br>Ready for Review-Document Uploaded. - Seller-05/10/2022 |  | XXXX |  |  | CA | Investment | Purchase | NA | 284858 | N/A | N/A |
| XXXX | 63083 |  |  | Closed | 2022-02-02 13:14 | 2022-03-21 19:01 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). The written list of service providers disclosure date is either: Less than the seventh business day1) Settlement service provider list is missing in the file. please provide.<br> 2) provided Settlement service provider list Dated 1/22/2022 Page 690Cr is not Valid - Due Diligence Vendor-02/02/2022 |  |  |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 281868 | N/A | N/A |
| XXXX | 63083 |  |  | Closed | 2022-03-11 23:27 | 2022-03-14 20:45 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Client provided Approval Cerf. document uploaded resolved - Due Diligence Vendor-03/14/2022 <br>Ready for Review-Document Uploaded. Approval attached - Seller-03/11/2022 <br>Open-Loan Approval Document is missing in the file. please provide. - Due Diligence Vendor-02/01/2022 | Ready for Review-Document Uploaded. Approval attached - Seller-03/11/2022 | Resolved-Client provided Approval Cerf. document uploaded resolved - Due Diligence Vendor-03/14/2022 | Ap.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 281554 | N/A | N/A |
| XXXX | 63036 |  |  | Closed | 2022-02-02 22:28 | 2022-04-12 13:09 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Finding addressed in finding-XXXX. Finding rescinded. - Due Diligence Vendor-02/03/2022 <br> Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/02/2022 |  | Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Finding addressed in finding-XXXX. Finding rescinded. - Due Diligence Vendor-02/03/2022 <br> Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/02/2022 |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 283390 | N/A | N/A |
| XXXX | 63036 |  |  | Closed | 2022-04-12 00:06 | 2022-04-12 13:09 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Ready for Review-Document Uploaded. CIC attached - Seller-04/12/2022 <br>Counter- - Due Diligence Vendor-03/17/2022 <br>Ready for Review-Document Uploaded. PCCD confirm disbursement date, no recission violation - Seller-03/16/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,124.64.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). COC not provided for Fees added to Revised CD 1/19/2022 (page 455) ... discount points added for $1,124.64 - Due Diligence Vendor-02/02/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,124.64.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/02/2022 | Ready for Review-Document Uploaded. CIC attached - Seller-04/12/2022 <br>Ready for Review-Document Uploaded. PCCD confirm disbursement date, no recission violation - Seller-03/16/2022 |  | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 283392 | N/A | N/A |
| XXXX | 63036 |  |  | Closed | 2022-04-12 00:07 | 2022-04-12 13:09 | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | Ready for Review-non QM programs do not require pre-closing counseling - Seller-04/12/2022 <br>Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; or The loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; or The High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-03/17/2022 | Ready for Review-non QM programs do not require pre-closing counseling - Seller-04/12/2022 |  |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 353609 | N/A | N/A |
| XXXX | 63036 |  |  | Closed | 2022-04-12 00:09 | 2022-04-12 13:09 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Ready for Review-Document Uploaded. - Seller-04/12/2022 <br>Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-03/17/2022 | Ready for Review-Document Uploaded. - Seller-04/12/2022 |  | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 353610 | N/A | N/A |
| XXXX | 63036 |  |  | Closed | 2022-03-17 14:02 | 2022-04-12 13:09 | Resolved | 2 - Non-Material B A | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Rescinded-Loan is XXXX Due Diligence Vendor-03/17/2022 <br> Open-This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds 3 percent of the total loan amount of $XXXX; orThe loan amount is less than $XXXX but at least $XXXX, and the transaction's total points and fees is $, which exceeds $XXXX; orThe loan amount is less than $XXXX but at least $XXXX, and the transaction's total points and fees is $XXXX, which exceeds 5 percent of the total loan amount of $XXXX; orThe loan amount is less than $XXXX but at least $XXXX, and the transaction's total points and fees is $XXXX, which exceeds $XXXX; orThe loan amount is less than $XXXX and the transaction's total points and fees is $XXXX, which exceeds 8 percent of the total loan amount of $XXXX. - Due Diligence Vendor-03/17/2022 |  | Rescinded-Loan is XXXX - Due Diligence Vendor-03/17/2022 |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 353611 | N/A | N/A |
| XXXX | 63036 |  |  | Closed | 2022-04-12 00:07 | 2022-04-12 13:09 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Ready for Review-Document Uploaded. - Seller-04/12/2022 <br> Open-There is a duplicate amount of origination fee in the PCCD which could have brought this fail was please review and confirm if fee is correct please resolve fail - Due Diligence Vendor-03/17/2022 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds 5 percent of the total loan amount of $XXXX; or The loan amount is less than $XXXX and the transaction's total points and fees is $XXXX which exceeds the lesser of 8 percent of the total loan amount of $XXXX or $XXXX. - Due Diligence Vendor-03/17/2022 | Ready for Review-Document Uploaded. - Seller-04/12/2022 |  | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 353612 | N/A | N/A |
| XXXX | 63036 |  |  | Closed | 2022-04-12 00:09 | 2022-04-12 13:09 | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | Ready for Review-NON QM Products do not require high cost disclosures. High cost is allowed with impounds for taxes and insurance - Seller-04/12/2022 <br>Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-03/17/2022 | Ready for Review-NON QM Products do not require high cost disclosures. High cost is allowed with impounds for taxes and insurance - Seller-04/12/2022 |  |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 353613 | N/A | N/A |
| XXXX | 63036 |  |  | Closed | 2022-03-16 15:36 | 2022-03-17 14:14 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved- - Due Diligence Vendor-03/17/2022 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-03/16/2022 <br> Open-Final CD, page 468 reflects Closing Date XXXX which does not match Borrower Signature date or Notary Date XXXX. Please provide PCCD reflecting correct Closing and Disbursement dates. - Due Diligence Vendor-02/03/2022 | Ready for Review-Document Uploaded. PCCD attached - Seller-03/16/2022 |  | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 285512 | N/A | N/A |
| XXXX | 63036 |  |  | Closed | 2022-03-16 15:37 | 2022-03-17 14:02 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Ready for Review-Document Uploaded. PCCD confirms recission date - Seller-03/16/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Right of Rescission if file does not provide full 3 days .... Loan closed on XX/XX/XXXX and last day of rescission is XX/XX/XXXX..... - Due Diligence Vendor-02/02/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-02/02/2022 | Ready for Review-Document Uploaded. PCCD confirms recission date - Seller-03/16/2022 |  | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 283389 | N/A | N/A |
| XXXX | 63036 |  |  | Closed | 2022-02-02 22:28 | 2022-03-17 14:02 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Finding addressed in finding-XXXX. Finding rescinded. - Due Diligence Vendor-02/03/2022 <br> Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/02/2022 |  | Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Finding addressed in finding-XXXXX. Finding rescinded. - Due Diligence Vendor-02/03/2022 <br> Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/02/2022 |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 283391 | N/A | N/A |
| XXXX | 62709 |  |  | Closed | 2022-04-05 16:51 | 2022-04-05 21:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD received - Due Diligence Vendor-04/05/2022 <br>Ready for Review-Document Uploaded. - Seller-04/05/2022 <br>Counter-Final HUD statements provided is missing the certified true copy stamp - Due Diligence Vendor-04/05/2022 <br>Ready for Review-Document Uploaded. - Seller-04/04/2022 <br>Open-Final HUD-1 Document is Missing - Due Diligence Vendor-02/02/2022 | Ready for Review-Document Uploaded. - Seller-04/05/2022 <br>Ready for Review-Document Uploaded. - Seller-04/04/2022 | Resolved-Final HUD received - Due Diligence Vendor-04/05/2022 | FINAL HUD-1 SIGNED (87).pdf<br>FINAL HUD-1 SIGNED (91).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 283200 | N/A | N/A |
| XXXX | 62721 |  |  | Closed | 2022-04-06 20:39 | 2022-04-06 20:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Client provided final Hud document uploaded resolved - Due Diligence Vendor-04/06/2022 <br>Ready for Review-Document Uploaded. - Seller-04/06/2022 <br>Counter-Final HUD statements provided is missing the certified true copy stamp - Due Diligence Vendor-04/05/2022 <br>Ready for Review-Document Uploaded. - Seller-04/05/2022 <br>Open-Hud-1 Disclosure is missing in the Package. - Due Diligence Vendor-02/02/2022 | Ready for Review-Document Uploaded. - Seller-04/06/2022 <br>Ready for Review-Document Uploaded. - Seller-04/05/2022 | Resolved-Client provided final Hud document uploaded resolved - Due Diligence Vendor-04/06/2022 | FINAL HUD-1 SIGNED (90).pdf<br>0935_001.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 282857 | N/A | N/A |
| XXXX | 62721 |  |  | Closed | 2022-03-12 00:05 | 2022-03-14 20:12 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Received revised 1003 no assets - Due Diligence Vendor-03/14/2022 <br> Ready for Review-Document Uploaded. - Seller-03/12/2022 <br> Open-As per Final 1003 asset 2a. and 2b. Final 1003 provides 25,000 for XXXX. No bank statement for XXXX provided. This is a DSCR loan. - Due Diligence Vendor-02/02/2022 | Ready for Review-Document Uploaded. - Seller-03/12/2022 | Resolved-Received revised 1003 no assets - Due Diligence Vendor-03/14/2022 | _1003_19_pdf (30).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 282723 | N/A | N/A |
| XXXX | 63063 |  |  | Closed | 2022-03-14 15:50 | 2022-03-15 15:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD1 one information added - Due Diligence Vendor-03/15/2022 <br>Ready for Review-Document Uploaded. - Seller-03/14/2022 <br>Open-Final HUD-1 Document is Missing. Please Provide - Due Diligence Vendor-02/02/2022 | Ready for Review-Document Uploaded. - Seller-03/14/2022 | Resolved-Final HUD1 one information added - Due Diligence Vendor-03/15/2022 | XXXX |  |  | WA | Investment | Purchase | NA | 282662 | N/A | N/A |
| XXXX | 63063 |  |  | Closed | 2022-03-11 23:51 | 2022-03-14 20:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Only 1 borrower spouse is only on the DOT. - Due Diligence Vendor-03/14/2022 <br>Ready for Review-We don not require a non-occupant co-borrower certification - Seller-03/11/2022 <br>Open-Borrower and Co- Borrower must complete and sign a Non-Occupant Co - Borrower Certification. - Due Diligence Vendor-03/01/2022 <br>Open-\*\*\* Property is being held individually. Borrower 2 is not occupying. \*\*\*<br>As per Note there are 2 Borrower but Final 1003 is given for 1 Borrower. Please Provide Borrower 2 Information. On page. 47 LOE for co borrower is provided that he is her son and is identified as the co borrower. - Due Diligence Vendor-02/02/2022 | Ready for Review-We don not require a non-occupant co-borrower certification - Seller-03/11/2022 | Resolved-Only 1 borrower spouse is only on the DOT. - Due Diligence Vendor-03/14/2022 |  |  |  | WA | Investment | Purchase | NA | 282743 | N/A | N/A |
| XXXX | 63063 |  |  | Closed | 2022-03-11 23:54 | 2022-03-14 20:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Only one borrower - Due Diligence Vendor-03/14/2022 <br>Ready for Review-Borrower 2 is non-occupant only should not appear on Insurance - Seller-03/11/2022 <br>Open-As per Note there are 2 Borrower. But On Hazard Only 1 Borrower Information is Provided, Please Provide Borrower 2 Information. - Due Diligence Vendor-02/02/2022 | Ready for Review-Borrower 2 is non-occupant only should not appear on Insurance - Seller-03/11/2022 | Resolved-Only one borrower - Due Diligence Vendor-03/14/2022 |  |  |  | WA | Investment | Purchase | NA | 282766 | N/A | N/A |
| XXXX | 63063 |  |  | Closed | 2022-03-11 23:54 | 2022-03-14 20:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Only 1 borrower - Due Diligence Vendor-03/14/2022 <br>Ready for Review-Borrower 2 is non occpant only should not appear on flood - Seller-03/11/2022 <br>Open-As per Note there are 2 Borrower. But On Flood Only 1 Borrower Information is Provided, Please Provide Borrower 2 Information. - Due Diligence Vendor-02/02/2022 | Ready for Review-Borrower 2 is non occpant only should not appear on flood - Seller-03/11/2022 | Resolved-Only 1 borrower - Due Diligence Vendor-03/14/2022 |  |  |  | WA | Investment | Purchase | NA | 282775 | N/A | N/A |
| XXXX | 63063 |  |  | Closed | 2022-03-11 23:52 | 2022-03-14 20:09 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing credit report | Resolved-Not needed only 1 borrower - Due Diligence Vendor-03/14/2022 <br>Ready for Review-Borrower 2 is non-occupant, credit does not apply - Seller-03/11/2022 <br>Open-As per Note there are 2 Borrower. But On Credit Only 1 Borrower Information is Provided, Please Provide Borrower 2 Information. - Due Diligence Vendor-02/02/2022 | Ready for Review-Borrower 2 is non-occupant, credit does not apply - Seller-03/11/2022 | Resolved-Not needed only 1 borrower - Due Diligence Vendor-03/14/2022 |  |  |  | WA | Investment | Purchase | NA | 282749 | N/A | N/A |
| XXXX | 63063 |  |  | Closed | 2022-03-11 23:51 | 2022-03-14 20:09 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Non borrower not on the loan just the Deed. - Due Diligence Vendor-03/14/2022 <br>Ready for Review-Borrower 2 is non-occupant and should not appear on 1008 - Seller-03/11/2022 <br>Open-As per Note there are 2 Borrower. But On 1008 Only 1 Borrower Information is Provided, Please Provide Borrower 2 Information. - Due Diligence Vendor-02/02/2022 | Ready for Review-Borrower 2 is non-occupant and should not appear on 1008 - Seller-03/11/2022 | Resolved-Non borrower not on the loan just the Deed. - Due Diligence Vendor-03/14/2022 |  |  |  | WA | Investment | Purchase | NA | 282747 | N/A | N/A |
| XXXX | 63354 |  |  | Closed | 2022-03-14 17:42 | 2022-03-14 18:09 | Resolved | 1 - Information C A | Credit | Credit | Missing credit report | Resolved-Document upload to findings - Due Diligence Vendor-03/14/2022 <br>Ready for Review-Document Uploaded. - Seller-03/14/2022 <br>Open-Missing Origination Credit Report per UW. - Due Diligence Vendor-02/08/2022 | Ready for Review-Document Uploaded. - Seller-03/14/2022 | Resolved-Document upload to findings - Due Diligence Vendor-03/14/2022 | CREDIT REPORT (6).pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 291347 | N/A | N/A |
| XXXX | 63074 |  |  | Closed | 2022-03-14 18:41 | 2022-03-15 12:50 | Resolved | 1 - Information B A | Credit | Credit | Purchase contract and/or addendums - | Resolved-Updated - Due Diligence Vendor-03/15/2022 <br>Ready for Review-Document Uploaded. - Seller-03/14/2022 <br>Open-Please provide purchase contract. File contains only addendum page 192 and certificate of sale page 511. - Due Diligence Vendor-02/09/2022 | Ready for Review-Document Uploaded. - Seller-03/14/2022 | Resolved-Updated - Due Diligence Vendor-03/15/2022 | PURCHASE CONTRACT (2).pdf |  |  | FL | Investment | Purchase | NA | 292706 | N/A | N/A |
| XXXX | 63980 |  |  | Closed | 2022-03-22 18:56 | 2022-03-22 21:29 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Revised 1003 with assets removed since borrower getting cash out - Due Diligence Vendor-03/22/2022 <br>Ready for Review-Document Uploaded. - Seller-03/22/2022 <br>Open-Missing the bank statement from the file that is showing on the final 1003. Thank you - Due Diligence Vendor-03/17/2022 | Ready for Review-Document Uploaded. - Seller-03/22/2022 | Resolved-Revised 1003 with assets removed since borrower getting cash out - Due Diligence Vendor-03/22/2022 | _1003_19_pdf (36).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 354939 | N/A | N/A |
| XXXX | 63984 |  |  | Closed | 2022-03-22 19:03 | 2022-03-24 12:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/22/2022 <br>Ready for Review-Document Uploaded. - Seller-03/22/2022 <br>Open-Missing Hazard Insurance Policy Hazard document is missing file please provide - Due Diligence Vendor-03/18/2022 | Ready for Review-Document Uploaded. - Seller-03/22/2022 | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/22/2022 | HAZARD INSURANCE (10).pdf |  |  | CA | Investment | Purchase | NA | 356761 | N/A | N/A |
| XXXX | 63984 |  |  | Closed | 2022-03-23 21:40 | 2022-03-24 12:25 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-03/24/2022 <br> Ready for Review-Document Uploaded. RCE confirms sufficient coverage - Seller-03/23/2022 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'No' - Due Diligence Vendor-03/22/2022 | Ready for Review-Document Uploaded. RCE confirms sufficient coverage - Seller-03/23/2022 | Resolved-Hazard Insurance Coverage Amount of $XXXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-03/24/2022 | HAZARD INSURANCE (11).pdf |  |  | CA | Investment | Purchase | NA | 362333 | N/A | N/A |
| XXXX | 63991 |  |  | Closed | 2022-03-24 22:02 | 2022-03-25 13:08 | Resolved | 1 - Information C A | Compliance | Compliance | Missing page of HUD | Resolved-HUD-1 fees entered. Finding is resolved. - Due Diligence Vendor-03/25/2022 <br>Ready for Review-Document Uploaded. Page 2 is blank - Seller-03/24/2022 <br>Open-Final HUD -1 is missing. Please provide Final HUD. - Due Diligence Vendor-03/21/2022 | Ready for Review-Document Uploaded. Page 2 is blank - Seller-03/24/2022 | Resolved-HUD-1 fees entered. Finding is resolved. - Due Diligence Vendor-03/25/2022 | FINAL HUD-1 SIGNED (62).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 358186 | N/A | N/A |
| XXXX | 64003 |  |  | Closed | 2022-03-22 19:17 | 2023-03-02 20:20 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Ethnicity Selection is Not Provided | Resolved-Borrower 2 Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-03/22/2022 <br>Ready for Review-Document Uploaded. - Seller-03/22/2022 <br>Open-Borrower 2 Ethnicity Selection is Not Provided. Please Provide Updated Final 1003. - Due Diligence Vendor-03/18/2022 | Ready for Review-Document Uploaded. - Seller-03/22/2022 | Resolved-Borrower 2 Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-03/22/2022 | FINAL 1003 - ALL PAGES.pdf |  |  | WA | Investment | Purchase | NA | 355776 | N/A | N/A |
| XXXX | 64003 |  |  | Closed | 2022-03-22 19:18 | 2023-03-02 20:20 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Race Selection is Not Provided | Resolved-Borrower 2 Race Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-03/22/2022 <br>Ready for Review-Document Uploaded. - Seller-03/22/2022 <br>Open-Borrower 2 Race Selection is Not Provided. Please Provide Updated Final 1003. - Due Diligence Vendor-03/18/2022 | Ready for Review-Document Uploaded. - Seller-03/22/2022 | Resolved-Borrower 2 Race Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-03/22/2022 | FINAL 1003 - ALL PAGES.pdf |  |  | WA | Investment | Purchase | NA | 355777 | N/A | N/A |
| XXXX | 64003 |  |  | Closed | 2022-03-22 19:15 | 2022-03-22 21:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Fees entered. Finding is resolved. - Due Diligence Vendor-03/22/2022 <br>Ready for Review-Document Uploaded. - Seller-03/22/2022 <br>Open-Final HUD-1 is missing in File. Please Provide. - Due Diligence Vendor-03/18/2022 | Ready for Review-Document Uploaded. - Seller-03/22/2022 | Resolved-Fees entered. Finding is resolved. - Due Diligence Vendor-03/22/2022 | FINAL HUD-1 SIGNED (57).pdf |  |  | WA | Investment | Purchase | NA | 357292 | N/A | N/A |
| XXXX | 63982 |  |  | Closed | 2022-03-24 21:52 | 2023-03-06 20:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-03/25/2022 <br>Ready for Review-Document Uploaded. 689 credit score allows CLTV 80 - Seller-03/24/2022 <br>Open-Audited CLTV of 80% exceeds Guideline CLTV of 75%, need lender exception - Due Diligence Vendor-03/18/2022 | Ready for Review-Document Uploaded. 689 credit score allows CLTV 80 - Seller-03/24/2022 | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-03/25/2022 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 356636 | N/A | N/A |
| XXXX | 63982 |  |  | Closed | 2022-03-24 21:52 | 2023-03-06 20:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-03/25/2022 <br>Ready for Review-Document Uploaded. credit score 689 allows HCLTV 80 - Seller-03/24/2022 <br>Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75%, need lender exception - Due Diligence Vendor-03/18/2022 | Ready for Review-Document Uploaded. credit score 689 allows HCLTV 80 - Seller-03/24/2022 | Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-03/25/2022 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 356637 | N/A | N/A |
| XXXX | 63982 |  |  | Closed | 2022-03-24 21:51 | 2023-03-06 20:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-03/25/2022 <br>Ready for Review-Document Uploaded. 689 credit score allows cash out to 80% - Seller-03/24/2022 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75%, need lender exception - Due Diligence Vendor-03/18/2022 | Ready for Review-Document Uploaded. 689 credit score allows cash out to 80% - Seller-03/24/2022 | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-03/25/2022 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 356638 | N/A | N/A |
| XXXX | 63999 |  |  | Closed | 2022-03-22 19:09 | 2023-03-06 20:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/06/2023 <br>Resolved-Fees are entered into LM. Finding is resolved. - Due Diligence Vendor-03/22/2022 <br>Ready for Review-Document Uploaded. - Seller-03/22/2022 <br>Open-LRA reports that the Final HUD 1 is missing, please provide. - Due Diligence Vendor-03/21/2022 | Ready for Review-Document Uploaded. - Seller-03/22/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/06/2023 <br>Resolved-Fees are entered into LM. Finding is resolved. - Due Diligence Vendor-03/22/2022 | FINAL HUD-1 SIGNED (56).pdf |  |  | CA | Investment | Purchase | NA | 359669 | N/A | N/A |
| XXXX | 63998 |  |  | Closed | 2022-03-22 18:47 | 2023-03-06 14:35 | Waived | 2 - Non-Material C B | Credit | Closing | Gap Credit Report Within 10 Days of Closing is Expired | Waived- - Due Diligence Vendor-05/10/2022 <br> Resolved-Lender exception to allow gap credit report not within 10 days of closing - Due Diligence Vendor-03/22/2022 <br> Ready for Review-Document Uploaded. - Seller-03/22/2022 <br> Open-Gap Credit Report Date of XXXX is greater than 10 days from Transaction Date of XXXX and Gap Report Doc Status is Present - Due Diligence Vendor-03/21/2022 | Ready for Review-Document Uploaded. - Seller-03/22/2022 | Resolved-Lender exception to allow gap credit report not within 10 days of closing - Due Diligence Vendor-03/22/2022 | custom.pdf |  | Low LTV (70%)<br> Low DTI 26.24 front end and 36.50 back-end DTI. | PA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 358557 | Originator Pre-Close | Yes |
| XXXX | 63998 |  |  | Closed | 2022-03-22 21:37 | 2022-03-22 21:37 | Resolved | 1 - Information C A | Credit | Credit | Missing underwriting exception form | Resolved-Lender exception for gap credit report not within 10 days of closing - Due Diligence Vendor-03/22/2022 |  | Resolved-Lender exception for gap credit report not within 10 days of closing - Due Diligence Vendor-03/22/2022 |  |  |  | PA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 362359 | N/A | N/A |
| XXXX | 63978 |  |  | Closed | 2022-03-24 22:45 | 2022-03-25 13:38 | Resolved | 1 - Information C A | Credit | Doc Issue | HUD-1 Closing Statement missing or unsigned | Resolved-Client provided final Hud document uploaded resolved - Due Diligence Vendor-03/25/2022 <br>Ready for Review-Document Uploaded. - Seller-03/24/2022 <br>Open-HUD on page 657 is not signed or certified.<br> Please provide a HUD designated as Final and signed/certified. - Due Diligence Vendor-03/23/2022 | Ready for Review-Document Uploaded. - Seller-03/24/2022 | Resolved-Client provided final Hud document uploaded resolved - Due Diligence Vendor-03/25/2022 | 0583_001.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 364587 | N/A | N/A |
| XXXX | 63976 |  |  | Closed | 2022-03-24 22:41 | 2023-03-03 11:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/03/2023 <br>Resolved-Client provided final Hud document uploaded resolved - Due Diligence Vendor-03/25/2022 <br>Ready for Review-Document Uploaded. - Seller-03/24/2022 <br>Open-pls provide signed FINAL HUD-1 - Due Diligence Vendor-03/23/2022 | Ready for Review-Document Uploaded. - Seller-03/24/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/03/2023 <br>Resolved-Client provided final Hud document uploaded resolved - Due Diligence Vendor-03/25/2022 | 0586_001.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 364443 | N/A | N/A |
| XXXX | 63976 |  |  | Closed | 2022-03-24 22:11 | 2022-03-25 14:59 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-Per client PPP only applicable to the Note not the deed. - Due Diligence Vendor-03/25/2022 <br>Ready for Review-prepay rider only applicable to the note not the Deed - Seller-03/24/2022 <br>Open-PPP Rider is missing. - Due Diligence Vendor-03/23/2022 | Ready for Review-prepay rider only applicable to the note not the Deed - Seller-03/24/2022 | Resolved-Per client PPP only applicable to the Note not the deed. - Due Diligence Vendor-03/25/2022 |  |  |  | FL | Investment | Refinance | Cash Out - Other | 364322 | N/A | N/A |
| XXXX | 63976 |  |  | Closed | 2022-03-24 22:09 | 2022-03-25 14:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Client provided rate lock document uploaded resolved - Due Diligence Vendor-03/25/2022 <br>Ready for Review-Document Uploaded. - Seller-03/24/2022 <br>Open- - Due Diligence Vendor-03/23/2022 | Ready for Review-Document Uploaded. - Seller-03/24/2022 | Resolved-Client provided rate lock document uploaded resolved - Due Diligence Vendor-03/25/2022 | ratelockconfirmation (10).pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 364445 | N/A | N/A |
| XXXX | 64007 |  |  | Closed | 2022-03-24 22:42 | 2022-03-25 12:36 | Resolved | 1 - Information C A | Credit | Doc Issue | HUD-1 Closing Statement missing or unsigned | Resolved-Updated the HUD tab. Received copy of final hud. - Due Diligence Vendor-03/25/2022 <br>Ready for Review-Document Uploaded. - Seller-03/24/2022 <br>Open-Please provide the Final signed/certified HUD-1. - Due Diligence Vendor-03/24/2022 | Ready for Review-Document Uploaded. - Seller-03/24/2022 | Resolved-Updated the HUD tab. Received copy of final hud. - Due Diligence Vendor-03/25/2022 | 0584_001.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 366003 | N/A | N/A |
| XXXX | 64007 |  |  | Closed | 2022-03-24 22:43 | 2022-03-25 12:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Property closed on XXXX. Policy was in effect prior to closing. - Due Diligence Vendor-03/25/2022 <br> Ready for Review-Hazard insurance must be in effect as of date of disbursement. See final HUD for date confirmation - Seller-03/24/2022 <br> Open-Need the policy from XXXX-XXXX. One on file is for the upcoming insurance policy year XXXX-XXXX. Thank you - Due Diligence Vendor-03/24/2022 <br> Open-Based on the Estimated Closing Statement on page 82 that shows a Settlement Date of XXXX, I'm sure that when we receive the Missing Final HUD we can Resolve this Finding. A prior binder on page 87 is not for the subject address so we cannot take it.<br>At the moment, Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Please provide the Final HUD or updated binder. - Due Diligence Vendor-03/24/2022 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-03/24/2022 | Ready for Review-Hazard insurance must be in effect as of date of disbursement. See final HUD for date confirmation - Seller-03/24/2022 | Resolved-Property closed on 3/22. Policy was in effect prior to closing. - Due Diligence Vendor-03/25/2022 |  |  |  | CA | Investment | Refinance | Cash Out - Other | 365339 | N/A | N/A |
| XXXX | 63979 |  |  | Closed | 2022-04-08 18:04 | 2023-03-06 13:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-04/11/2022 <br>Resolved-DOT has been provided with the missing pages included. Finding is resolved. - Due Diligence Vendor-04/11/2022 <br>Ready for Review-Document Uploaded. - Seller-04/08/2022 <br>Open-The Deed of Trust is Incomplete Missing pages 13-14 - Due Diligence Vendor-03/25/2022 | Ready for Review-Document Uploaded. - Seller-04/08/2022 | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-04/11/2022 <br>Resolved-DOT has been provided with the missing pages included. Finding is resolved. - Due Diligence Vendor-04/11/2022 | MISCELLANEOUS SIGNED FINAL DOCS (21).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 367409 | N/A | N/A |
| XXXX | 63979 |  |  | Closed | 2022-04-08 18:03 | 2023-03-03 12:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/03/2023 <br>Resolved-Respa pre 2010 fees entered. Finding is resolved. - Due Diligence Vendor-04/11/2022 <br>Ready for Review-Document Uploaded. - Seller-04/08/2022 <br>Open-Final HUD-1/CD is missing in file. Please provide. - Due Diligence Vendor-03/25/2022 | Ready for Review-Document Uploaded. - Seller-04/08/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/03/2023 <br>Resolved-Respa pre 2010 fees entered. Finding is resolved. - Due Diligence Vendor-04/11/2022 | FINAL HUD-1 SIGNED (106).pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 367199 | N/A | N/A |
| XXXX | 64274 |  |  | Closed | 2022-04-04 16:10 | 2022-04-05 13:13 | Resolved | 1 - Information C A | Credit | Data | Qualifying LTV % does not match 1008 Page LTV %. | Resolved-Client provided 1008 document uploaded - Due Diligence Vendor-04/05/2022 <br> Ready for Review-Document Uploaded. - Seller-04/04/2022 <br> Open-The Diligence Final Look Page Qualifying LTV is 59.93% on a XXXX appraised Value page 169 The 1008 Page Qualifying LTV is 63.64%. Please update the 1008 - Due Diligence Vendor-03/24/2022 <br> Open-The Diligence Final Look Page Qualifying LTV is 59.93% but the 1008 Page Qualifying LTV is 63.64%. Please confirm the correct qualifying property value flag was chosen. - Due Diligence Vendor-03/24/2022 | Ready for Review-Document Uploaded. - Seller-04/04/2022 | Resolved-Client provided 1008 document uploaded - Due Diligence Vendor-04/05/2022 | transmittal_19_pdf (29).pdf |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 366335 | N/A | N/A |
| XXXX | 64273 |  |  | Closed | 2022-04-04 17:34 | 2022-04-04 18:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Client provided final HUD document uploaded resolved - Due Diligence Vendor-04/04/2022 <br>Ready for Review-Document Uploaded. - Seller-04/04/2022 <br>Open- - Due Diligence Vendor-03/28/2022 | Ready for Review-Document Uploaded. - Seller-04/04/2022 | Resolved-Client provided final HUD document uploaded resolved - Due Diligence Vendor-04/04/2022 | FINAL HUD-1 SIGNED (85).pdf |  |  | NV | Investment | Purchase | NA | 369009 | N/A | N/A |
| XXXX | 63973 |  |  | Closed | 2022-04-04 17:56 | 2023-03-03 11:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/03/2023 <br>Resolved-Client provided Final Hud document uploaded resolved - Due Diligence Vendor-04/04/2022 <br>Ready for Review-Document Uploaded. - Seller-04/04/2022 <br>Open-Please provide a Stamped certified copy of HUD-1/Settlement statement - Due Diligence Vendor-03/29/2022 | Ready for Review-Document Uploaded. - Seller-04/04/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/03/2023 <br>Resolved-Client provided Final Hud document uploaded resolved - Due Diligence Vendor-04/04/2022 | 5565.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 371607 | N/A | N/A |
| XXXX | 64001 |  |  | Closed | 2022-04-04 17:13 | 2023-03-06 21:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/06/2023 <br>Resolved-Client provided final HUD - Due Diligence Vendor-04/04/2022 <br>Ready for Review-Document Uploaded. - Seller-04/04/2022 <br>Open-Final HUD-1 Document is Missing Please Provide it - Due Diligence Vendor-03/29/2022 | Ready for Review-Document Uploaded. - Seller-04/04/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/06/2023 <br>Resolved-Client provided final HUD - Due Diligence Vendor-04/04/2022 | FINAL HUD-1 SIGNED (83).pdf |  |  | CA | Investment | Purchase | NA | 372610 | N/A | N/A |
| XXXX | 64001 |  |  | Closed | 2023-03-06 17:08 | 2023-03-06 17:09 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Document Uploaded. - Due Diligence Vendor-03/06/2023 <br>Open-1008 Document is Missing Payment schedule missing rom 1008. Client provided updated 1008 to include payment schedule including HOA fees. Finding resolved - Due Diligence Vendor-03/06/2023 |  | Resolved-Document Uploaded. - Due Diligence Vendor-03/06/2023 | transmittal_19_pdf (30).pdf |  |  | CA | Investment | Purchase | NA | 879753 | N/A | N/A |
| XXXX | 64277 |  |  | Closed | 2022-04-04 17:53 | 2022-04-05 13:08 | Resolved | 1 - Information C A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved- - Due Diligence Vendor-04/05/2022 <br>Ready for Review-Prepay rider to DOT only to the note - Seller-04/04/2022 <br>Rescinded-Prepayment addend to note on file - Due Diligence Vendor-03/31/2022 <br>Open-The Prepayment Rider is missing. Provide Deed of Trust with Prepayment Penalty Rider. - Due Diligence Vendor-03/30/2022 | Ready for Review-Prepay rider to DOT only to the note - Seller-04/04/2022 | Rescinded-Prepayment addend to note on file - Due Diligence Vendor-03/31/2022 |  |  |  | NV | Investment | Purchase | NA | 374311 | N/A | N/A |
| XXXX | 64283 |  |  | Closed | 2022-04-08 19:53 | 2023-03-03 21:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/03/2023 <br>Resolved- - Due Diligence Vendor-04/11/2022 <br>Ready for Review-Document Uploaded. - Seller-04/08/2022 <br>Open-Final HUD-1 is missing in the file. Please Provide - Due Diligence Vendor-04/04/2022 | Ready for Review-Document Uploaded. - Seller-04/08/2022 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/03/2023 | FINAL HUD-1 SIGNED (112).pdf |  |  | AZ | Investment | Refinance | Cash Out - Other | 381631 | N/A | N/A |
| XXXX | 64283 |  |  | Closed | 2022-04-08 19:54 | 2022-08-30 16:19 | Resolved | 1 - Information C A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-received - Due Diligence Vendor-04/11/2022 <br>Ready for Review-Document Uploaded. - Seller-04/08/2022 <br>Open- - Due Diligence Vendor-04/06/2022 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-04/06/2022 <br>Open-Section 5A Please provide revised statement. Borrower has it checked off that he will reside in the investment property. Thank you - Due Diligence Vendor-04/06/2022 | Ready for Review-Document Uploaded. - Seller-04/08/2022 | Resolved-received - Due Diligence Vendor-04/11/2022 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-04/06/2022 | _1003_19_pdf (44).pdf |  |  | AZ | Investment | Refinance | Cash Out - Other | 386779 | N/A | N/A |
| XXXX | 65402 |  |  | Closed | 2022-05-04 15:47 | 2022-05-04 21:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved- - Due Diligence Vendor-05/04/2022 <br>Ready for Review-Document Uploaded. - Seller-05/04/2022 <br>Open-Please provide Final hud 1 - Due Diligence Vendor-04/15/2022 | Ready for Review-Document Uploaded. - Seller-05/04/2022 |  | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 404348 | N/A | N/A |
| XXXX | 50183 |  |  | Closed | 2022-04-19 15:54 | 2022-11-22 16:12 | Waived | 2 - Non-Material B | Credit | Credit | Total Reserves Requirement not met | Waived-Exception requested to allow 8 months reserves. - Due Diligence Vendor-11/22/2022 <br>Waived- - Due Diligence Vendor-11/22/2022 <br>Resolved-Total Reserves Requirement not met Exception on file for having only 8 months of reserves page. 1 - Due Diligence Vendor-04/19/2022 |  | Waived-Exception requested to allow 8 months reserves. - Due Diligence Vendor-11/22/2022 <br>Resolved-Total Reserves Requirement not met Exception on file for having only 8 months of reserves page. 1 - Due Diligence Vendor-04/19/2022 |  |  | Low LTV (44.45) High income(39,686.93) Housing history 0 times 30 | CA | Primary Residence | Refinance | Cash Out - Other | 409701 | Originator Pre-Close | Yes |
| XXXX | 50183 |  |  | Closed | 2022-04-19 15:55 | 2022-11-22 16:12 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Waived-Exception requested to allow Bank Statement Program income calculation<br> using XXXX Account XXXX using 23 months statement from<br> XXXX through XXXX and dividing the total eligible deposits by<br> 24 months - Due Diligence Vendor-11/22/2022 <br> Resolved-Exception on file for having 23 months of bank statements on file. Please refer to page 2. - Due Diligence Vendor-04/19/2022 |  | Waived-Exception requested to allow Bank Statement Program income calculation<br> using XXXX Account XXXX using 23 months statement from<br> XXXX through XXXX and dividing the total eligible deposits by<br> 24 months - Due Diligence Vendor-11/22/2022 <br> Resolved-Exception on file for having 23 months of bank statements on file. Please refer to page 2. - Due Diligence Vendor-04/19/2022 |  |  | Low LTV (44.45) High income 39,686.93 and housing history 0 times 30 | CA | Primary Residence | Refinance | Cash Out - Other | 409708 | Originator Pre-Close | Yes |
| XXXX | 50183 |  |  | Closed | 2022-04-26 19:51 | 2022-04-27 15:42 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Counter- - Due Diligence Vendor-04/27/2022 <br>Open-The TILA Finance Charge disclosed on the Final CD is based on the interest before it adjusts which is $2,541,233.02 . Please provide updated Final CD or Lender CD Calculation Sheet with the correct Finance Charge Amount after the rate adjusts from years 1-40. - Due Diligence Vendor-04/27/2022 <br>Open-The TILA Finance Charge disclosed on the Final CD is based on the interest before it adjusts which is $2,541,233.02 . Please provide updated Final CD or Lender CD Calculation Sheet with the correct TOP after the rate adjusts from years 1-40. - Due Diligence Vendor-04/27/2022 <br>Ready for Review-Document Uploaded. Please see lender CD calculations uploaded. Lender disagrees with this finding. - Seller-04/26/2022 <br>Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $2,767,467.81. The disclosed finance charge of $2,541,233.02 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-04/20/2022 | Ready for Review-Document Uploaded. Please see lender CD calculations uploaded. Lender disagrees with this finding. - Seller-04/26/2022 |  | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 411787 | N/A | N/A |
| XXXX | 50183 |  |  | Closed | 2022-04-26 19:55 | 2022-04-27 15:42 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Open-The TILA Finance Charge disclosed on the Final CD is based on the interest before it adjusts which is $2,541,233.02 . Please provide updated Final CD or Lender CD Calculation Sheet with the correct Finance Charge Amount after the rate adjusts from years 1-40. - Due Diligence Vendor-04/27/2022 <br>Open-The TILA Finance Charge disclosed on the Final CD is based on the interest before it adjusts which is $2,541,233.02 . Please provide updated Final CD or Lender CD Calculation Sheet with the correct TOP after the rate adjusts from years 1-40. - Due Diligence Vendor-04/27/2022 <br>Ready for Review-Please see lender CD calculations uploaded. Lender disagrees with this finding. - Seller-04/26/2022 <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $2,767,467.81. The disclosed finance charge of $2,541,233.02 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-04/20/2022 | Ready for Review-Please see lender CD calculations uploaded. Lender disagrees with this finding. - Seller-04/26/2022 |  |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 411788 | N/A | N/A |
| XXXX | 50183 |  |  | Closed | 2022-04-26 19:51 | 2022-04-27 15:42 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Counter- - Due Diligence Vendor-04/27/2022 <br>Open-The TOP disclosed on the Final CD is based on the interest before it adjusts which is $4,972,032.97. Please provide updated Final CD or Lender CD Calculation Sheet with the correct TOP after the rate adjusts from years 1-40. - Due Diligence Vendor-04/27/2022 <br>Ready for Review-Document Uploaded. Please see lender CD calculations uploaded. Lender disagrees with this finding. - Seller-04/26/2022 <br>Open-This loan failed the TRID total of payments test. (12 CFR §1026.38(o)(1))The total of payments is $5,202,892.76. The disclosed total of payments of $4,972,032.97 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-04/20/2022 | Ready for Review-Document Uploaded. Please see lender CD calculations uploaded. Lender disagrees with this finding. - Seller-04/26/2022 |  | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 411792 | N/A | N/A |
| XXXX | 50183 |  |  | Closed | 2022-04-26 19:56 | 2022-04-27 15:42 | Resolved | 1 - Information C A | Compliance | TRID | TRID Rescission Total of Payments Test | Open-The TOP disclosed on the Final CD is based on the interest before it adjusts which is $4,972,032.97. Please provide updated Final CD or Lender CD Calculation Sheet with the correct TOP after the rate adjusts from years 1-40 - Due Diligence Vendor-04/27/2022 <br>Ready for Review-Please see lender CD calculations uploaded. Lender disagrees with this finding. - Seller-04/26/2022 <br>Open-This loan failed the TRID rescission total of payments test. (12 CFR §1026.23(g)(1)(ii))The total of payments is $5,202,892.76. The disclosed total of payments of $4,972,032.97 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. - Due Diligence Vendor-04/20/2022 | Ready for Review-Please see lender CD calculations uploaded. Lender disagrees with this finding. - Seller-04/26/2022 |  |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 411793 | N/A | N/A |
| XXXX | 50183 |  |  | Closed | 2022-04-26 21:13 | 2022-04-27 15:42 | Resolved | 1 - Information C A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Open-The TILA Finance Charge disclosed on the PCCD is based on the interest before it adjusts which is $2,540,687.53 . Please provide updated PCCD or Lender Calculation Sheet with the correct Finance Charge amount after the rate adjusts from years 1-40. - Due Diligence Vendor-04/27/2022 <br>Open-Please provide Lender Calculation sheet for the PCCD with the correct disclosed Finance Charge. <br> - Due Diligence Vendor-04/27/2022 <br>Open-This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $3,587,661.14. The disclosed finance charge of $2,541,233.02 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-04/26/2022 |  |  |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 423837 | N/A | N/A |
| XXXX | 50183 |  |  | Closed | 2022-04-26 21:13 | 2022-04-27 15:42 | Resolved | 1 - Information C A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Open-The TILA Finance Charge disclosed on the PCCD is based on the interest before it adjusts which is $2,540,687.53 . Please provide updated PCCD or Lender Calculation Sheet with the correct Finance Charge amount after the rate adjusts from years 1-40. - Due Diligence Vendor-04/27/2022 <br>Open-Please provide Lender Calculation sheet for the PCCD with the correct disclosed Finance Charge. <br> - Due Diligence Vendor-04/27/2022 <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $3,587,661.14. The disclosed finance charge of $2,541,233.02 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-04/26/2022 |  |  |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 423838 | N/A | N/A |
| XXXX | 50183 |  |  | Closed | 2022-04-26 21:13 | 2022-04-27 15:42 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage Balloon Payment Test | Rescinded- - Due Diligence Vendor-04/26/2022 <br>Open-This loan failed the qualified mortgage balloon payment test. (12 CFR 1026.43(e)(2)(i)(C))A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not result in a balloon payment.This loan has a balloon payment. - Due Diligence Vendor-04/26/2022 |  |  |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 423839 | N/A | N/A |
| XXXX | 50183 |  |  | Closed | 2022-04-26 19:37 | 2022-04-26 20:59 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-DTI resolved with Child support payment - Due Diligence Vendor-04/26/2022 <br>Ready for Review-Document Uploaded. please see page of divorce decree addressing child support of $1309 /mo. this is attached and is page 70 of the original package - Seller-04/26/2022 <br>Open-For the back end dti ratio I am getting 40.18 with total amount of 15,944.99 same that is on the 1008. I do not see any child support payments included on the final 1003 and the 1008. - Due Diligence Vendor-04/19/2022 | Ready for Review-Document Uploaded. please see page of divorce decree addressing child support of $1309 /mo. this is attached and is page 70 of the original package - Seller-04/26/2022 | Resolved-DTI resolved with Child support payment - Due Diligence Vendor-04/26/2022 | child support.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 409731 | N/A | N/A |
| XXXX | 50183 |  |  | Closed | 2022-04-26 19:52 | 2022-04-26 20:40 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA APR Test | Ready for Review-Document Uploaded. Please see lender CD calculations uploaded. Lender disagrees with this finding. - Seller-04/26/2022 <br>Open-This loan failed the TILA APR test.<br> (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) <br> The annual percentage rate (APR) is 4.200%. The disclosed APR of 3.953% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence Vendor-04/20/2022 | Ready for Review-Document Uploaded. Please see lender CD calculations uploaded. Lender disagrees with this finding. - Seller-04/26/2022 |  | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 411785 | N/A | N/A |
| XXXX | 50183 |  |  | Closed | 2022-04-26 19:55 | 2022-04-26 20:40 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Ready for Review-Document Uploaded. pccd and delivery w/final figures and funding date of XXXX - Seller-04/26/2022 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-04/20/2022 | Ready for Review-Document Uploaded. pccd and delivery w/final figures and funding date of XXXX - Seller-04/26/2022 |  | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 411790 | N/A | N/A |
| XXXX | 63996 |  |  | Closed | 2023-02-01 21:27 | 2023-02-02 21:49 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/02/2023 <br> Resolved-Updated bonus income to 150.000 rather than 464.00 that is on the wvoe and income calculation sheet as we have revised 1003 with the additional income at 150.00 ok to use per client since less than the verified income - Due Diligence Vendor-02/02/2023 <br> Resolved-Updated the 1008 with revised income and updated taxes. DTI's are now in line - Due Diligence Vendor-02/02/2023 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/02/2023 <br> Ready for Review- - Due Diligence Vendor-02/02/2023 <br> Counter-Updated the income with the overtime of 464.00+XXXX monthly based off the WVOE and income workout calculation sheet. Please update the 1008 with income the amount of XXXX and the front end DTI at 47.54 front end and back end at 47.80. - Due Diligence Vendor-02/02/2023 <br> Ready for Review-Document Uploaded. - Seller-02/02/2023 <br> Counter-Please provide updated 1008 with the correct PITIA taxes are not correct on the one in the file. Thank you - Due Diligence Vendor-02/02/2023 <br> Ready for Review-The ratios are correct at 49.553/49.824. Monthly income of $XXXX/XXXX PITI = 49.553 +20 monthly debt = 49.24 - Seller-02/01/2023 <br> Open-1008 Document is Missing Please provide updated 1008 document as the property taxes on the Escrow Disclosure reflect $667.80 monthly and the First Payment Letter reflects a PITIA of $XXXX Please update the DTI's as this is causing a discrepancy. Front End DTI is now at 50.58% and the Back End is at 50.85%. Thank you. - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/02/2023 <br>Ready for Review-The ratios are correct at 49.553/49.824. Monthly income of $7400/3666.95 PITI = 49.553 +20 monthly debt = 49.24 - Seller-02/01/2023 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/02/2023 <br>Resolved-Updated bonus income to 150.000 rather than 464.00 that is on the wvoe and income calculation sheet as we have revised 1003 with the additional income at 150.00 ok to use per client since less than the verified income - Due Diligence Vendor-02/02/2023 <br>Resolved-Updated the 1008 with revised income and updated taxes. DTI's are now in line - Due Diligence Vendor-02/02/2023 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/02/2023 | transmittal_19_pdf - 2023-02-02T111450.184.pdf |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 837651 | N/A | N/A |
| XXXX | 63996 |  |  | Closed | 2023-02-01 21:29 | 2023-02-02 21:11 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated bonus income to XXXX rather than XXXX that is on the wvoe and income calculation sheet as we have revised 1003 with the additional income at XXXX to use per client since less than the verified income - Due Diligence Vendor-02/02/2023 <br> Resolved-Updated employment screen with the overtime income. - Due Diligence Vendor-02/02/2023 <br> Ready for Review-Document Uploaded. Written VOE establishes base pay and confirms 2 yrs bonus income receipt - Seller-02/02/2023 <br> Counter-Please provide updated WVOE one in file has the income at XXXX. Thank you - Due Diligence Vendor-02/02/2023 <br> Ready for Review-Document Uploaded. The income is correct as shown on the 1008 with DTI of 49.824. see attached updated income worksheet - Seller-02/01/2023 <br> Open-Please provide an Exception for the DTI being above 50%. - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. Written VOE establishes base pay and confirms 2 yrs bonus income receipt - Seller-02/02/2023 <br>Ready for Review-Document Uploaded. The income is correct as shown on the 1008 with DTI of 49.824. see attached updated income worksheet - Seller-02/01/2023 | Resolved-Updated bonus income to 150.000 rather than 464.00 that is on the wvoe and income calculation sheet as we have revised 1003 with the additional income at 150.00 ok to use per client since less than the verified income - Due Diligence Vendor-02/02/2023 <br>Resolved-Updated employment screen with the overtime income. - Due Diligence Vendor-02/02/2023 | INCOME CALCULATION WORKSHEET (18).pdf<br>VOE BORROWER (5).pdf<br>INCOME CALCULATION WORKSHEET (19).pdf |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 837652 | N/A | N/A |

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## Exhibit 99.34

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.34**

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| **Loan ID** | **Customer Loan ID** | **Borrower Name** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 56306 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 56309 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57700 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56311 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56313 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56301 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56307 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57696 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57407 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57699 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56316 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57413 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56318 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56327 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57753 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56303 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 56321 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56323 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56304 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56305 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57418 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57422 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57423 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57731 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57425 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57426 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57716 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57747 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57694 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57726 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57728 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57733 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57738 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57740 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57748 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 57725 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .007 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57743 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 57749 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57757 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57756 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57755 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57701 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57704 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57734 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58089 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57685 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 |  | XXXX | 1004D Completion Report |  | Not Eligible | 2.7 |  |
| 57686 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57687 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .000 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57684 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57689 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57690 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57691 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57692 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58105 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58121 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58123 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58057 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .000 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | XXXX | -.049 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58079 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58086 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58093 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60111 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61501 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .005 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58098 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .000 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61497 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 60124 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60364 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60120 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61502 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60410 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60144 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 60451 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60367 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 60407 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61336 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 60398 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61240 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61508 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .059 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | XXXX | .059 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 999 |  |
| 61277 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 61507 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61314 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62259 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62272 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62255 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61545 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61521 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61529 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61531 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61536 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62304 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61500 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57711 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61515 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61517 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61519 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62275 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61523 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 61542 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61527 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61530 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61950 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63047 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63051 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61539 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61541 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62256 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62257 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61921 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 61922 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 61948 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 62306 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 62299 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62260 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 61935 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 61968 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .010 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | XXXX | .010 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 62262 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62270 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63034 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62282 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .000 | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61969 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63080 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62279 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62307 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62716 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63057 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62703 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62276 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62308 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62751 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62727 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62309 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 62750 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 62740 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63346 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62733 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63355 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63359 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 63065 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63349 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63037 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63040 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63048 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62754 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 62737 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 62695 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63055 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63062 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63066 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63083 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62747 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63036 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62709 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62721 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63063 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63031 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.026 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 63354 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.039 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 63054 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63075 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62739 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63074 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.020 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63980 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63986 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63997 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64004 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63984 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63987 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63991 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 63992 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64003 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63982 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63995 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63999 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63998 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64000 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63978 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63993 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63976 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63977 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64007 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63979 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64274 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64273 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63981 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63975 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63973 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63974 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64001 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64277 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64275 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64283 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65403 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65402 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 50183 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -.006 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63996 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.35

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.35**

---

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| **Lender Name** | **Transaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Orginator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Orignal Note Loan Amount** | **Orignal Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Orignal Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Orignal Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** |
| XXXX | XXXX | 56306 |  | XXXX | 549300MQDQ3TUIDR0R90C10100084186 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 690 | 701 | 682 | 690 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 39.64 | 47.62 | 4800 |  |  |  | 4800 | Employed |  |  |  | 6.58 |  |  |  | NA | 2514.13 | 2285.87 | Yes | 67.03 | 127805.1 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.625 | 4.625 | 1460.16 | 1460.16 | 442.71 | 1902.87 | XX/XX/XXXX | Fixed | 360 | 360 | 10-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 3000 | 106 | 14 | 0.3534519172103065 | 4 | No |  |  | 8394.45 | 4.756 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 56309 |  | XXXX | 549300MQDQ3TUIDR01R90C10100189149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 735 | 735 | 694 | 748 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 404 | Yes | 12.37 | 14093.53 | XXXX | XXXX | 33.19 | 33.19 | 33.19 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.75 | 3.75 | 694.67 | 694.67 |  | 1139.2 | XX/XX/XXXX | Fixed | 360 | 360 | 11-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 10109.03 |  | 3 |  | 548 |  |  | 25 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57700 |  | XXXX | 5493008E4KBJCB6UKR649008743420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien |  | false | XXXX | 712 | 717 | 712 | 686 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | 0 |  |  |  | 0 |  |  |  |  | 6 |  |  |  | NA |  | 599 | Yes | 219 | 362269.1 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4 | 4 | 1394.05 | 1394.05 |  | 1656.93 | XX/XX/XXXX | Fixed | 360 | 360 | 10-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 65 |  |  | 1 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 56311 |  | XXXX | 549300MQDQ3TUIDR0R90C10100218531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 790 | 790 | 779 | 796 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 14.57 | 14.74 | 40034 |  |  |  | 40034 | Employed |  |  |  | 8 |  |  |  | NA |  | 5902.89 | Yes | 175 | 885300.12 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.625 | 4.625 | 4095.05 | 4862.31 | 947.58 | 5067.63 | XX/XX/XXXX | Fixed | 360 | 480 | 11-01-2061 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 21300 | 236 | 3 | 0.0715251572327044 | 7 | No |  |  | 31720.42 | 4.657 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 56313 |  | XXXX | 549300MQDQ3TUIDR0R90C10100227649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 744 | 730 | 744 | 761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | 08-12-2021 | 780 | 780 | 758 | 780 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 3444 | No | 51 | 69077.84 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.25 | 5.25 | 1138.92 | 1138.92 |  | 1346.27 | XX/XX/XXXX | Fixed | 360 | 360 | 10-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 |  | 8 |  | 276 |  |  | 16 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 56301 |  | XXXX | 549300MQDQ3TUIDR0R90C10100041021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 709 | 718 | 709 | 701 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 26.07 | 31.67 | 24456 |  |  |  | 24456 | Employed |  |  |  | 24 |  |  |  | NA |  | 7831.03 | No | 24 | 190535.05 | XXXX | XXXX | 57.65 | 57.65 | 57.65 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4 | 4 | 4678.67 | 4678.67 | 0 | 6375.03 | XX/XX/XXXX | Fixed | 360 | 360 | 10-01-2051 | 0 |  |  |  |  |  |  |  |  | 4 |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 72736.36 |  | 1 | 88139 | 286 | 3 | 0.3837871287128713 | 2 | No |  |  | 29216.73 | 4.052 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 56307 |  | XXXX | 549300MQDQ3TUIDR0R90C10100107757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 729 | 757 | 716 | 729 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 0.67 | 29.32 | 87195 |  |  |  | 87195 | Employed |  |  |  | 40 |  |  |  | NA |  | 25567.24 | No | 193 | 256012.59 | XXXX | XXXX | 47.62 | 47.62 | 47.62 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.75 | 3.75 | 694.67 | 694.67 | 0 | 1329.58 | XX/XX/XXXX | Fixed | 360 | 360 | 10-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 4 | 45827 | 0 | 4 | 0.08092682926829269 | 8 | No |  |  | 4461.81 | 3.820 | N/A |  | XXXXX | XXXX |
| XXXX | XXXX | 57696 |  | XXXX | 549300MQDQ3TUIDR0R90C23000124371 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Foreign National |  | false | XXXX |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | No Cash Out - Borrower Initiated | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 909.22 | No | 48 | 150731.82 | XXXX | XXXX | 56.6 | 56.6 | 56.6 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.625 | 5.625 | 2345.8 | 2345.8 |  | 3159.29 | XX/XX/XXXX | Fixed | 360 | 360 | 11-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 36 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 1 |  | 0 |  |  | 1 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57407 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 781 | 779 | 782 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 09-23-2021 | 751 | 751 | 779 | 742 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 237 | No | 15 | 56394.4 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.875 | 4.875 | 2476.69 | 2476.69 |  | 3639.41 | XX/XX/XXXX | Fixed | 360 | 360 | 11-01-2051 | 0 |  |  |  |  |  |  |  |  | 4.875 |  |  |  |  |  |  | No | 0 | No | No |  | N | 24 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | Yes | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 |  | 2 |  | 183 |  |  | 1 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57699 |  | XXXX | 549300MQDQ3TUIDR0R90C10100214360 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | No | false | XXXX |  | 0 | 0 | 0 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 0 | 33.31 | 7358.04 |  |  |  | 7358.04 | Employed |  |  |  |  |  |  |  | NA |  | 2346.81 | Yes | 245 | 600752.9 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.125 | 5.125 | 914.74 | 914.74 | 507.07 | 2346.81 | XX/XX/XXXX | Fixed | 360 | 360 | 10-01-2051 | 0 |  |  |  |  |  |  |  |  | 5.125 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 0 | 0 | 0 |  | 10 | No |  |  | 5002.72 | 5.188 | N/A |  | XXXXX | XXXX |
| XXXX | XXXX | 56316 |  | XXXX | 549300MQDQ3TUIDR0R90C10100247146 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 800 | 800 | 781 | 808 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 371 | No | 23 | 153236.25999999998 | XXXX | XXXX | 58.81 | 58.81 | 58.81 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.75 | 3.75 | 5719.48 | 5719.48 | 0 | 6791.59 | XX/XX/XXXX | Fixed | 360 | 360 | 10-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 5121.01 |  | 2 |  | 242 |  |  | 2 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57413 |  | XXXX | 549300MQDQ3TUIDR0R90C10100249959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 708 | 708 | 699 | 731 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 45.27 | 46.36 | 6683 |  |  |  | 6683 | Employed |  |  |  | 10 |  |  |  | NA | 10959.92 | 3098.42 | Yes | 13 | 46595.57 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.25 | 4.25 | 2105.5 | 2105.5 | 635.92 | 3025.42 | XX/XX/XXXX | Fixed | 360 | 360 | 11-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 30000 | 107 | 9 | 0.08272116621409176 | 5 | No |  |  | 12701.43 | 4.341 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 56318 |  | XXXX | 549300MQDQ3TUIDR0R90C10100259077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 733 | 733 | 720 | 765 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 5.25 | 9.58 | 81077 |  |  |  | 81077 | Employed |  |  |  | 12 |  |  |  | NA | 77754.88 | 7771.12 | No | 150.86 | 362107.69 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4 | 4 | 1795.08 | 1795.08 | 0 | 2400.33 | XX/XX/XXXX | Fixed | 360 | 360 | 10-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 2 | 54900 | 0 | 3 | 0.20894868585732165 | 7 | No |  |  | 11140.61 | 4.103 | N/A |  | XXXXX | XXXX |
| XXXX | XXXX | 56327 |  | XXXX | 549300 MQDQ3TUIDR0R90C10100283036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 800 | 800 | 786 | 802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 08-04-2021 | 767 | 787 | 767 | 750 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 20.77 | 28.15 | 6800 | 17983.33 |  |  | 24783.33 | Employed | Employed |  |  | 3 | 0 |  |  | NA |  | 6976.69 | No | 19.11 | 98361.56 | XXXX | XXXX | 78.29 | 78.29 | 78.29 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.125 | 4.125 | 3983.82 | 3983.82 | 0 | 5146.69 | XX/XX/XXXX | Fixed | 360 | 360 | 10-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 2 | 20953 | 145 | 8 | 0.01647058823529412 | 5 | No |  |  | 24518.65 | 4.173 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 57753 |  | XXXX | 549300T7TLOJ8X6X8T43220001849730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | true | XXXX | 672 | 730 | 636 | 672 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 36.5 | 50.3 | 29100 |  |  |  | 29100 | Employed |  |  |  | 3 |  |  |  | NA |  | 14635.88 | Yes | 29 | 311255.8 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.375 | 5.375 | 8332.37 | 8332.37 | 2288 | 10620.37 | XX/XX/XXXX | Fixed | 360 | 360 | 10-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 141513.84 | 60 | 5 | 0.15254901960784314 | 4 | No |  |  | 43886.51 | 5.529 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 56303 |  | XXXX | 549300MQDQ3TUIDR0R90C10100263442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 735 | 735 | 717 | 737 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 34.67 | 46.67 | 16936 |  |  |  | 16936 | Employed |  |  |  | 3 |  |  |  | NA |  | 7904.24 | Yes | 44 | 259454.14 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.75 | 3.75 | 4334.76 | 4334.76 | 1499.76 | 5872.24 | XX/XX/XXXX | Fixed | 360 | 360 | 11-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 2 | 88796 | 187 | 4 | 0.08191387559808612 | 2.6 | No |  |  | 28033.23 | 3.764 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 56321 |  | XXXX | 549300MQDQ3TUIDR0R90C10100263830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 739 | 738 | 739 | 765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 08-03-2021 | 716 | 713 | 716 | 735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 08-03-2021 | 729 | 734 | 729 | 720 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Investment | Refinance | Cash Out - Other | 31.64 | 45.81 | 6466.47 | 8627 | 5497 |  | 20590.47 | Employed | Employed | Employed |  |  |  |  |  | 2 YRS |  | 9432.5 | No | 43.4 | 236411.79 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.625 | 5.625 | 4374.99 | 4374.99 | 0 | 5447.07 | XX/XX/XXXX | Fixed | 360 | 360 | 11-01-2051 | 0 |  |  |  |  |  |  |  |  | 5.625 |  |  |  |  |  |  | No | 0 | No | No |  | N | 12 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 3 | 0 |  | 5 | 14200 | 396 | 3 | 0.533425 | 6 | No |  |  | 22761.03 | 5.641 | N/A |  | XXXXX | XXXX |
| XXXX | XXXX | 56323 |  | XXXX | 549300MQDQ3TUIDR0R90C10100273045 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 768 | 781 | 768 | 744 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 2.67 | 3.83 | 109964 |  |  |  | 109964 | Employed |  |  |  | 8 |  |  |  | NA |  | 4208.09 | Yes | 163 | 480134.69 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.75 | 3.75 | 2292.42 | 2292.42 | 645.67 | 2938.09 | XX/XX/XXXX | Fixed | 360 | 360 | 11-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 74710 | 185 | 5 | 0 | 5 | No |  |  | 14577.76 | 3.902 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 56304 |  | XXXX | 549300MQDQ3TUIDR0R90C20200289405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 783 | 783 | 793 | 779 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 44.41 | 44.62 | 12050 |  |  |  | 12050 | Employed |  |  |  | 4 |  |  |  | NA |  | 5376.12 | Yes | 12 | 64455.83 | XXXX | XXXX | 76.19 | 76.19 | 76.19 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.625 | 4.625 | 4113.12 | 4113.12 | 1238 | 5351.12 | XX/XX/XXXX | Fixed | 360 | 360 | 11-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 5000 | 158 | 4 | 0.027509511267193445 | 7 | No |  |  | 23626.13 | 4.760 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 56305 |  | XXXX | 549300MQDQ3TUIDR0R90C10100259542 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 770 | 767 | 770 | 792 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 5572 | Yes | 90 | 370941.2 | XXXX | XXXX | 74.09 | 74.09 | 74.09 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.25 | 4.25 | 2886.46 | 2886.46 |  | 4099.15 | XX/XX/XXXX | Fixed | 360 | 480 | 11-01-2061 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 | 0 | 169 | 0 |  | 2 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57418 |  | XXXX | 549300MQDQ3TUIDR0R90C10100279447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 797 | 797 | 754 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | 08-11-2021 | 785 | 800 | 785 | 781 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 0 | No | 143 | 170942.16 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.625 | 4.625 | 925.45 | 925.45 |  | 1198.61 | XX/XX/XXXX | Fixed | 360 | 360 | 11-01-2051 | 0 |  |  |  |  |  |  |  |  | 4.625 |  |  |  |  |  |  | No | 0 | No | No |  | N | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | Yes | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 |  | 1 |  | 291 |  |  | 2.8 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57422 |  | XXXX | 549300MQDQ3TUIDR0R90C1010034104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 735 | 734 | 735 | 757 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 249 | Yes | 55 | 201868.35 | XXXX | XXXX | 71.37 | 71.37 | 71.37 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.125 | 4.125 | 2905.48 | 2905.48 |  | 3661.43 | XX/XX/XXXX | Fixed | 360 | 360 | 11-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 1 |  | 156 |  |  | 0.08 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57423 |  | XXXX | 549300MQDQ3TUIDR0R90C10100362964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 732 | 714 | 732 | 733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | 10-07-2021 | 727 | 693 | 731 | 727 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 15503.7 | Yes | 253 | 617900.35 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.5 | 3.5 | 1824.24 | 1824.24 |  | 2635.38 | XX/XX/XXXX | Fixed | 360 | 360 | 11-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 |  | 15 |  | 0 |  |  | 20 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57731 |  | XXXX | 549300MQDQ3TUIDR0R90C10100373246 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 764 | 764 | 754 | 775 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 0 | Yes | 239 | 810759.81 | XXXX | XXXX | 69.48 | 69.48 | 69.48 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.75 | 3.75 | 1399.77 | 1399.77 |  | 2622.36 | XX/XX/XXXX | Fixed | 360 | 360 | 11-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 12 | 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 5 |  | 0 |  |  | 0.25 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57425 |  | XXXX | 549300MQDQ3TUIDR0R90C10100375089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 804 | 800 | 814 | 804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | 10-12-2021 | 717 | 729 | 717 | 696 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 2.35 | 2.66 | 7000 | 179031 |  |  | 186031 | Employed | Employed |  |  | 8 | 2.75 |  |  | NA |  | 4946.33 | Yes | 42.23 | 184839.19 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.125 | 4.125 | 3392.55 | 3392.55 | 0 | 4377.33 | XX/XX/XXXX | Fixed | 360 | 360 | 11-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 20000 | 481 | 9 | 0.025934819897084047 | 2.75 | No |  |  | 21000 | 4.125 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 57426 |  | XXXX | 549300MQDQ3TUIDR0R90C10100397011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 786 | 786 | 798 | 779 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 14.1 | 14.56 | 39000 |  |  |  | 39000 | Employed |  |  |  | 0.3 |  |  |  | NA | 27822.34 | 5676.83 | No | 3 | 49177.45 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.375 | 4.375 | 4583.44 | 4583.44 | 0 | 5500.83 | XX/XX/XXXX | Fixed | 360 | 360 | 11-01-2051 | 0 |  |  |  |  |  |  |  |  | 4.375 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 11000 | 0 | 5 | 0.24735483870967742 | 30.2 | No |  |  | 27540 | 4.375 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 57716 |  | XXXX | 549300MQDQ3TUIDR0R90C10100337647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien |  | true | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien |  | true |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 52 | Yes | 134.5 | 962867.32 | XXXX | XXXX | 55 | 55 | 55 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.25 | 4.25 | 4149.06 | 4149.06 | 2593.03 | 6817.09 | XX/XX/XXXX | Fixed | 240 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 24 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 |  | 1 |  | 0 |  |  | 2 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57747 |  | XXXX | 549300MQDQ3TUIDR0R90C10100414956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 792 | 782 | 804 | 792 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 16.57 | 25.05 | 40838 |  |  |  | 40838 | Employed |  |  |  | 19.8 |  |  |  | NA | 25954.28 | 10229.6 | Yes | 75 | 559465.83 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.125 | 3.125 | 4626.45 | 4626.45 | 2139.65 | 6766.1 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 3.125 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 2 | 0 | 266 | 0 |  | 16 | No |  |  | 32400 | 3.125 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 57694 |  | XXXX | 549300MQDQ3TUIDR0R90C10100103392 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 726 | 726 | 785 | 720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | 10-07-2021 | 708 | 708 | 694 | 735 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 26.17 | 47.82 | 1683 | 2137.5 |  |  | 3820.5 | Employed | Employed |  |  | 25.33 | 20.33 |  |  | NA |  | 1826.78 | Yes | 80 | 61345.15 | XXXX | XXXX | 52.15 | 52.15 | 52.15 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.25 | 4.25 | 600.31 | 833.84 | 165.68 | 766.25 | XX/XX/XXXX | Fixed | 360 | 480 | 12-01-2061 | 0 |  |  |  |  |  |  |  |  | 4.25 |  |  |  |  |  |  | Yes | 120 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 43751 | 192 | 2 | 0.12276162790697674 | 1.25 | No |  |  | 4915.04 | 4.465 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 57726 |  | XXXX | 549300MQDQ3TUIDR0R90C10100363449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 780 | 788 | 780 | 774 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 28.82 | 39.84 | 7129 |  |  |  | 7129 | Employed |  |  |  | 0.08 |  |  |  | NA |  | 2840.25 | Partial | 17 | 35227.62 | XXXX | XXXX | 63.3 | 63.3 | 63.3 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.25 | 3.25 | 1418.77 | 1418.77 | 447.75 | 2054.67 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 3.25 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 33713.22 | 0 | 4 | 0.0538 | 1.8 | No |  |  | 9780 | 3.250 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 57728 |  | XXXX | 549300MQDQ3TUIDR0R90C40100383575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 751 | 761 | 0 | 751 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 271 | No | 124 | 202731.6 | XXXX | XXXX | 45.46 | 45.45 | 45.45 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.75 | 3.75 | 1389.35 | 1389.35 |  | 1629.2 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 284 |  |  | 12 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57733 |  | XXXX | 549300MQDQ3TUIDR0R90C10100374604 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 773 | 773 | 779 | 722 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 37.69 | 38.68 | 9700 |  |  |  | 9700 | Employed |  |  |  | 0.08 |  |  |  | NA |  | 3752.18 | Partial | 12 | 42440.14 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.25 | 4.25 | 2804.06 | 2804.06 | 0 | 3656.18 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 4.25 |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 2 | 17000 | 201 | 3 | 0.1530952380952381 | 0.66 | No |  |  | 16434 | 4.545 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 57738 |  | XXXX | 549300MQDQ3TUIDR0R90C10100385856 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien | Yes | false | XXXX | 622 | 654 | 616 | 622 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 34.15 | 34.28 | 11905.2 |  |  |  | 11905.2 | Employed |  |  |  | 0.08 |  |  |  | NA | 3758.12 | 4081.04 | Yes | 26 | 122091.07 | XXXX | XXXX | 68.75 | 68.75 | 68.75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.875 | 4.875 | 3085.28 | 3085.28 | 980.76 | 4066.04 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 2000 | 41 | 2 | 0.0145 | 0.83 | No |  |  | 17224.78 | 4.981 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 57740 |  | XXXX | 549300MQDQ3TUIDR0R90C10100390124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 629 | 616 | 629 | 664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 11-02-2021 | 660 | 660 | 0 | 716 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 2.97 | 10.63 | 233989 |  |  |  | 233989 | Employed | Not Employed |  |  | 20 | 17 |  |  | NA |  | 24878.7 | No | 273 | 1898696.64 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5 | 5 | 5219.09 | 5219.09 | 0 | 6942.35 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 4 | 33352 | 486 | 36 | 0.34721117962556747 | 4 | No |  |  | 28701.03 | 5.142 | N/A |  | XXXXX | XXXX |
| XXXX | XXXX | 57748 |  | XXXX | 549300MQDQ3TUIDR0R90C10100416120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 670 | 670 | 633 | 670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 09-27-2021 | 665 | 665 | 675 | 647 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 40.47 | 47.02 | 6541.6 | 7291.67 |  |  | 13833.27 | Employed | Employed |  |  | 2 | 12 |  |  | 2 YRS |  | 6503.82 | Yes | 4 | 16412.75 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.125 | 5.125 | 3517.03 | 4483.85 | 1114.98 | 4632 | XX/XX/XXXX | Fixed | 360 | 480 | 12-01-2061 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 8173 | 345 | 4 | 0.5051271699636657 | 2 | No |  |  | 24233.74 | 5.258 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 57725 |  | XXXX | 549300MQDQ3TUIDR0R90C10100362479 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 688 | 667 | 698 | 688 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 19.1 | 32.52 | 25000 |  |  |  | 25000 | Employed |  |  |  | 2 |  |  |  | NA |  | 8129.86 | Yes | 16 | 76721.12 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6 | 6 | 3939.05 | 3939.05 | 836.8 | 4775.86 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 6 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 36302 | 65 | 13 | 0.46274212111565494 | 2 | No |  |  | 19011.57 | 6.340 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 57743 |  | XXXX | 549300MQDQ3TUIDR0R90C20200399112 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 782 | 782 | 0 | 785 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 1415 | Yes | 131 | 339010.68 | XXXX | XXXX | 79.62 | 79.62 | 79.62 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.875 | 3.875 | 1975 | 1975 | 607.23 | 2582.23 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | Yes | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 192 |  |  | 10.1 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57749 |  | XXXX | 549300MQDQ3TUIDR0R90C10100419127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 726 | 726 | 735 | 725 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | No Cash Out - Borrower Initiated | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 98.88 | No | 7 | 18282.86 | XXXX | XXXX | 51.28 | 51.28 | 51.28 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.875 | 3.875 | 1603.51 | 1603.51 |  | 2722.47 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 3.875 |  |  |  |  |  |  | No | 0 | No | No |  | N | 24 | 1 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 0 |  |  | 1.16 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57757 |  | XXXX | 549300T7TLOJ8X6X8T43220001864959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien | Yes | true | XXXX | 771 | 774 | 759 | 771 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 23.2 | 29.08 | 15364 |  |  |  | 15364 | Employed |  |  |  | 5.83 |  |  |  | NA |  | 4468.47 | Yes | 20 | 75844.99 | XXXX | XXXX | 89.85 | 89.85 | 89.85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.125 | 4.125 | 2825.99 | 2825.99 | 738.48 | 3564.47 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 34206 | 86 | 3 | 0.12403846153846154 | 3.25 | No |  |  | 16630.52 | 4.552 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 57756 |  | XXXX | 549300T7TLOJ8X6X8T43220001864280 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 736 | 779 | 717 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | 09-02-2021 | 725 | 754 | 725 | 716 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 7.28 | 8.67 | 41262 |  |  |  | 41262 | Employed | Not Employed |  |  | 6.83 |  |  |  | NA |  | 3578.39 | Yes | 61 | 261609.83 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.875 | 4.875 | 2226.64 | 2226.64 | 593.46 | 3002.39 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 7500 | 267 | 4 | 0.47474418604651164 | 17.08 | No |  |  | 12270.95 | 5.123 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 57755 |  | XXXX | 549300T7TLOJ8X6X8T43220001860594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 720 | 732 | 720 | 686 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 7.55 | 8.09 | 61448 |  |  |  | 61448 | Employed |  |  |  | 20 |  |  |  | NA |  | 4969.34 | Yes | 21 | 97961.94 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.75 | 5.75 | 3729.03 | 3729.03 | 907.32 | 4636.34 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 14116 | 168 | 5 | 0.08368421052631579 | 9 | No |  |  | 18648.75 | 6.005 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 57701 |  | XXXX | 549300MQDQ3TUIDR0R90C10100228910 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 676 | 684 | 676 | 675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | 10-21-2021 | 749 | 732 | 749 | 750 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 22.98 | 37.49 | 5303 | 14280 |  |  | 19583 | Employed | Employed |  |  | 26.83 | 31.83 |  |  | NA |  | 7342.22 | Yes | 165 | 740327.25 | XXXX | XXXX | 50 | 50 | 50 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 3526.78 | 3526.78 | 9944.65 | 4500.22 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | Yes | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 8000 | 357 | 6 | 0.4421844342707652 | 24 | No |  |  | 22041.38 | 4.045 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 57704 |  | XXXX | 549300MQDQ3TUIDR0R90C10100261114 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 798 | 799 | 797 | 798 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 33.34 | 35.75 | 8142.17 |  |  |  | 8142.17 | Employed |  |  |  | 30.83 |  |  |  |  |  | 2911.17 | No | 14 | 38067.28 | XXXX | XXXX | 56.9 | 56.9 | 56.9 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.375 | 3.375 | 2338.91 | 2338.91 | 0 | 2714.58 | XX/XX/XXXX | Fixed | 180 | 180 | 12-01-2036 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 2622.03 |  | 2 | 21000 | 252 | 3 | 0.05762745098039216 | 17 | No |  |  | 9900 | 3.356 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 57734 |  | XXXX | 549300MQDQ3TUIDR0R90C10100375865 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 756 | 756 | 743 | 769 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 4862 | Yes | 48 | 178012.48 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.75 | 3.75 | 3073.93 | 3073.93 |  | 4064.07 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 3.75 |  |  |  |  |  |  | No | 0 | No | No |  | N | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 243 |  |  | 4.5 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 58089 |  | XXXX | 549300MQDQ3TUIDR0R90C10100387990 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 694 | 694 | 703 | 693 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 5063 | No | 99 | 530823.6 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.125 | 5.125 | 3683.59 | 3683.59 |  | 5027.38 | XX/XX/XXXX | Fixed | 240 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 5.125 |  |  |  |  |  |  | Yes | 120 | No | No |  | N | 24 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | Yes | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 218 |  |  | 2 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57685 |  | XXXX | 549300MQDQ3TUIDR0R90C10100017644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 808 | 808 | 796 | 815 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | false | 05-10-2021 |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 43.68 | 43.87 | 21000 |  |  |  | 21000 | Employed |  |  |  | 3.67 |  |  |  | NA | 11786.71 | 9213.29 | No | 11 | 108570.42 | XXXX | XXXX | 34.21 | 34.21 | 34.21 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3 | 3 | 6324.06 | 6324.06 | 0 | 9173.29 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 25000 | 334 | 5 | 0.046791808873720135 | 12 | No |  |  | 44679 | 3.056 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 57686 |  | XXXX | 549300MQDQ3TUIDR0R90C10100238125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 689 | 735 | 684 | 689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | 10-18-2021 | 780 | 771 | 800 | 780 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 1489 | Yes | 97 | 733972.85 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.625 | 3.625 | 6840.77 | 6840.77 |  | 7580.34 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX | XXXX | -10394 | 335000 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 733972.85 |  | 3 |  | 97 |  |  | 22.4 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57687 |  | XXXX | 549300MQDQ3TUIDR0R90C10100285946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 753 | 753 | 759 | 729 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 17.06 | 26.18 | 5972 |  |  |  | 5972 | Employed |  |  |  | 6.1 |  |  |  | NA |  | 1563.76 | Partial | 138.75 | 141350.62 | XXXX | XXXX | 73.17 | 73.17 | 73.17 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.125 | 4.125 | 726.97 | 726.97 | 291.79 | 1018.76 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 4.125 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 2 | 26900 | 166 | 5 | 0.23881422924901186 | 2 | No |  |  | 4325.4 | 4.430 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 57684 |  | XXXX | 549300MQDQ3TUIDR0R90C10100300496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 719 | 720 | 692 | 719 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 1.08 | 2.32 | 150692 |  |  |  | 150692 | Employed |  |  |  | 0.4 |  |  |  | NA |  | 3496.95 | Yes | 52 | 83832.29 | XXXX | XXXX | 51.51 | 51.51 | 51.51 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.75 | 3.75 | 1104.53 | 1104.53 | 458.14 | 1622.95 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 3.75 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 65196 | 49 | 12 | 0.566882840173649 | 4 | No |  |  | 6946.24 | 3.993 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 57689 |  | XXXX | 549300MQDQ3TUIDR0R90C10100352585 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 750 | 736 | 750 | 759 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | No Cash Out - Borrower Initiated | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | 0 | 0 | No | 201 | 504570.37 | XXXX | XXXX | 53.85 | 53.85 | 53.85 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.625 | 3.625 | 1915.42 | 1915.42 |  | 2507.85 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX | XXXX | -906 | 539000 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 0 |  |  | 2 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57690 |  | XXXX | 549300MQDQ3TUIDR0R90C10100369560 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 776 | 778 | 756 | 776 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 1052 | No | 6.9 | 23417.71 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.75 | 3.75 | 2587.66 | 2587.66 |  | 3395.87 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 3.75 |  |  |  |  |  |  | No | 0 | No | No |  | N | 48 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 196 |  |  | 3.7 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57691 |  | XXXX | 549300MQDQ3TUIDR0R90C10100370336 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 770 | 790 | 748 | 770 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 295.81 | No | 151 | 193920.65 | XXXX | XXXX | 23.08 | 23.08 | 23.08 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.375 | 3.375 | 590.63 | 590.63 |  | 1286.04 | XX/XX/XXXX | Fixed | 360 | 480 | 12-01-2061 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 331 |  |  | 18.6 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57692 |  | XXXX | 549300MQDQ3TUIDR0R90C10100376350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 634 | 654 | 614 | 634 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 10-07-2021 | 713 | 739 | 713 | 696 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 21.7 | 49.64 | 7545.04 | 7708.34 |  |  | 15253.38 | Employed | Employed |  |  | 0.08 | 0.08 |  |  | 1 YR |  | 7571.18 | Yes | 7.97 | 26394.06 | XXXX | XXXX | 68 | 68 | 68 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5 | 5 | 2737.79 | 2737.79 | 579.15 | 3310.17 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 20744 | 386 | 0 | 0.9174340085942296 | 8.58 | No |  |  | 15057.4 | 5.123 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 58105 |  | XXXX | 549300MQDQ3TUIDR0R90C10100406808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 747 | 710 | 770 | 747 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | 0 | 36774.56 | Yes | 8 | 63423.35 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.25 | 5.25 | 6431.25 | 6431.25 |  | 7717.45 | XX/XX/XXXX | Fixed | 240 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 0 |  |  | 20 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 58121 |  | XXXX | 549300MQDQ3TUIDR0R90C10100460352 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 730 | 730 | 712 | 732 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 8.58 | 22.17 | 32438.4 |  |  |  | 32438.4 | Employed |  |  |  | 2.9 |  |  |  | NA |  | 7191.83 | Yes | 35 | 97469.49 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6 | 6 | 2581.56 | 2581.56 | 533.36 | 2781.83 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 6 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 85934 | 0 | 5 | 0.9085714285714286 | 2 | No |  |  | 12917.46 | 6.000 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 58123 |  | XXXX | 549300MQDQ3TUIDR0R0C10100467918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 725 | 725 | 739 | 699 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 11.51 | 11.69 | 26000 |  |  |  | 26000 | Employed |  |  |  | 8 |  |  |  | NA |  | 3040.31 | No | 35 | 105288 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.375 | 5.375 | 2379.88 | 2379.88 | 0 | 2992.31 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 7800 | 112 | 3 | 0.11294871794871796 | 5 | No |  |  | 12621.79 | 5.466 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 58057 |  | XXXX | 549300MQDQ3TUIDR0R90C10100338617 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 695 | 695 | 703 | 682 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 27.47 | 27.47 | 9633 |  |  |  | 9633 | Employed |  |  |  | 5 |  |  |  | NA |  | 2645.85 | Yes | 14 | 37869.18 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.875 | 5.875 | 2182.77 | 2182.77 | 463.08 | 2645.85 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 1600 | 0 | 2 | 0 | 8 | No |  |  | 11065.5 | 5.879 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 58079 |  | XXXX | 549300MQDQ3TUIDR0R90C10100373828 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 702 | 702 | 701 | 708 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 30.62 | 37.57 | 15360 |  |  |  | 15360 | Employed |  |  |  | 3.45 |  |  |  | NA |  | 5771.04 | Yes | 49.94 | 234855.59 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.25 | 5.25 | 3685.96 | 3685.96 | 1017.08 | 4703.04 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 29011 | 81 | 5 | 0.5090582959641256 | 3 | No |  |  | 20023.2 | 5.251 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 58086 |  | XXXX | 549300MQDQ3TUIDR0R90C10100383722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 744 | 744 | 768 | 727 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 14.31 | 21.66 | 52843 |  |  |  | 52843 | Employed |  |  |  | 27 |  |  |  | NA |  | 11445.22 | Yes | 6.86 | 51880.71 | XXXX | XXXX | 63.35 | 63.35 | 63.35 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.25 | 3.25 | 5266 | 5266 | 2293.92 | 7559.92 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 86746 | 293 | 16 | 0.15757790892014614 | 13 | No |  |  | 36118.72 | 3.290 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 58093 |  | XXXX | 549300MQDQ3TUIDR0R90C10100392937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 801 | 779 | 804 | 801 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 8.95 | 9.37 | 26116 |  |  |  | 26116 | Employed |  |  |  | 3 |  |  |  | NA |  | 2447.94 | No | 15 | 35156.3 | XXXX | XXXX | 65.75 | 65.75 | 65.75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.25 | 3.25 | 1859.96 | 1859.96 | 0 | 2337.94 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 3.25 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 22100 | 316 | 6 | 0.019244372990353698 | 1 | No |  |  | 12761.7 | 3.287 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 60111 |  | XXXX | 549300T7TLOJ8X6X8T43220001853028 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 745 | 735 | 767 | 745 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 26.02 | 26.02 | 18658 |  |  |  | 18658 | Employed |  |  |  | 10.2 |  |  |  | NA |  | 4854.44 | Yes | 12.16 | 59015.87 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.5 | 5.5 | 3909.23 | 3909.23 | 906.21 | 4854.44 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 2 | 1500 | 225 | 4 | 0 | 18.6 | No |  |  | 20260.57 | 5.675 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 61501 |  | XXXX | 549300MQDQ3TUIDR0R90C10100287110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 686 | 686 | 664 | 686 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 1402 | No | 42 | 147785.35 | XXXX | XXXX | 77.47 | 77.47 | 77.47 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.125 | 4.125 | 2423.44 | 2423.44 |  | 3472.85 | XX/XX/XXXX | Fixed | 240 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 111 |  |  | 0.75 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 58098 |  | XXXX | 549300MQDQ3TUIDR0R90C10100399921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien |  | false | XXXX | 676 | 661 | 676 | 680 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 20299.75 | No | 103 | 606532.72 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.375 | 5.375 | 5778.13 | 5778.13 |  | 7625.51 | XX/XX/XXXX | Fixed | 240 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 5.375 |  |  |  |  |  |  | Yes | 120 | No | No |  | N | 24 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 0 |  |  | 2 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 61497 |  | XXXX | 549300T7TLOJ8X6X8T43220001868451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 741 | 715 | 763 | 741 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 28.23 | 38.55 | 10498.75 |  |  |  | 10498.75 | Employed |  |  |  | 3 |  |  |  | NA |  | 4047.44 | Yes | 4 | 12936.25 | XXXX | XXXX | 79.41 | 79.41 | 79.41 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.875 | 4.875 | 2286.18 | 2286.18 | 677.26 | 2963.44 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 19422 | 79 | 20 | 0.08895026363242108 | 2.3 | No |  |  | 12707.94 | 5.047 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 60124 |  | XXXX | 549300MQDQ3TUIDR0R90C10100332215 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 765 | 765 | 808 | 762 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 29.72 | 30.73 | 20000 |  |  |  | 20000 | Employed |  |  |  | 20 |  |  |  | NA |  | 6146.85 | No | 19 | 115766.17 | XXXX | XXXX | 58.4 | 58.39 | 58.39 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.25 | 3.25 | 4828.61 | 4828.61 | 0 | 5944.85 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 27655 | 317 | 4 | 0.18659104350859101 | 9 | No |  |  | 32878.49 | 3.348 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 60364 |  | XXXX | 549300MQTDQ3TUIDR0R90C10100259562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 786 | 794 | 778 | 786 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 22.64 | 23.54 | 9789 |  |  |  | 9789 | Employed |  |  |  | 18.75 |  |  |  | NA |  | 2304.79 | Yes | 33 | 72843.97 | XXXX | XXXX | 38.64 | 38.64 | 38.64 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.125 | 3.125 | 1456.48 | 1456.48 | 0 | 2215.79 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 2300 | 251 | 3 | 0.4408988764044944 | 16 | No |  |  | 10011.13 | 3.273 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 60120 |  | XXXX | 549300MQDQ3TUIDR0R90C10100306122 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 663 | 663 | 675 | 649 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 9.75 | 35.31 | 55362 |  |  |  | 55362 | Employed |  |  |  | 0.65 |  |  |  | NA |  | 19547.31 | Partial | 10 | 29043.07 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.5 | 5.5 | 4290.5 | 4290.5 | 926.04 | 5399.47 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 5.5 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 66596 | 232 | 6 | 0 | 3.25 | No |  |  | 22350.6 | 5.629 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 61502 |  | XXXX | 549300MQDQ3TUIDR0R90C10100310002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 694 | 694 | 681 | 709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | 09-16-2021 | 698 | 698 | 711 | 696 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 16.03 | 32.88 | 6132 | 6132 |  |  | 12264 | Employed | Employed |  |  | 4.1 | 4.1 |  |  | NA |  | 4032.64 | Yes | 59 | 115965.71 | XXXX | XXXX | 55.8 | 55.8 | 55.8 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 1311.96 | 1311.96 | 653.68 | 1965.64 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 3.875 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 12710 | 257 | 17 | 0.32472952086553325 | 3 | No |  |  | 8128.64 | 4.117 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 60410 |  | XXXX | 549300MQDQ3TUIDR0R90C10100426887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 772 | 775 | 772 | 745 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 20.95 | 36.16 | 28800 |  |  |  | 28800 | Employed |  |  |  | 18.08 |  |  |  | NA |  | 10415.08 | Partial | 73 | 488088.86 | XXXX | XXXX | 65.33 | 65.33 | 65.33 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.25 | 3.25 | 4265.02 | 4265.02 | 1769.58 | 6034.6 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 33939 | 254 | 28 | 0.14785362451697232 | 21 | No |  |  | 28594.65 | 3.468 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 60144 |  | XXXX | 549300MQDQ3TUIDR0R90C40100404818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 658 | 681 | 649 | 658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 10-21-2021 | 614 | 624 | 614 | 602 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 49.95 | 49.95 |  | 5642 |  |  | 5642 | Employed | Employed |  |  | 2.25 | 31.83 |  |  | NA |  | 2818.1 | Yes | 28.1 | 79181.7 | XXXX | XXXX | 37.9 | 37.9 | 37.9 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.75 | 5.75 | 2322.62 | 2322.62 | 495.48 | 2818.1 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 8500 | 355 | 6 | 0.7663389581804843 | 9 | No |  |  | 11776.44 | 5.877 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 60451 |  | XXXX | 549300MQDQ3TUIDR0R90C22900367146 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 743 | 743 | 757 | 738 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | No Cash Out - Borrower Initiated | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 6131.3 | No | 72 | 175977.71 | XXXX | XXXX | 79.57 | 79.57 | 79.57 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.25 | 5.25 | 2019.06 | 2019.06 |  | 2442.23 | XX/XX/XXXX | Fixed | 360 | 480 | 12-01-2061 | 0 |  |  |  |  |  |  |  |  | 5.25 |  |  |  |  |  |  | Yes | 120 | No | No |  | N | 12 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX | XXXX | -167 | 515000 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 4 |  | 0 |  |  | 12.3 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 60367 |  | XXXX | 549300MQDQ3TUIDR0R90C10100294385 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 795 | 755 | 795 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | 09-08-2021 | 797 | 767 | 800 | 797 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9.4 | 42.8 | 7905 | 7905 |  |  | 15810 | Employed | Employed |  |  | 12.3 |  |  |  | NA |  | 6766.18 | Yes | 12 | 17371.85 | XXXX | XXXX | 40.15 | 40.15 | 40.15 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.125 | 3.125 | 1135.19 | 1135.19 | 350.72 | 1485.92 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 | 0 |  |  |  |  |  |  |  |  | 3.125 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 2 | 10000 | 358 | 4 | 0.009185082872928177 | 4.25 | No |  |  | 7781.15 | 3.296 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 60407 |  | XXXX | 549300MQDQ3TUIDR0R90C10100423686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 749 | 727 | 749 | 750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 10-29-2021 | 754 | 754 | 740 | 785 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 3.94 | 7.58 |  | 100000 |  |  | 100000 | Not Employed | Employed |  |  |  |  |  |  | NA | 91415.97 | 7584.03 | Partial | 20 | 79519.87 | XXXX | XXXX | 59.07 | 59.07 | 59.07 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.125 | 3.125 | 2998.63 | 2998.63 | 809.9 | 3938.03 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 3 | 70000 | 311 | 98 | 0.07052956822564428 | 7 | No |  |  | 20485.51 | 3.321 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 61336 |  | XXXX | 549300MQDQ3TUIDR0R90C22700398639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 659 | 659 | 660 | 658 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 11.45 | 12.61 | 40000 |  |  |  | 40000 | Employed |  |  |  | 52.9 |  |  |  | NA |  | 5045.07 | Yes | 15 | 83686.92 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.75 | 5.75 | 3641.49 | 3641.49 | 937.5 | 4579.07 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  |  |  |  |  |  | 5.75 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | Yes | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 7100 | 108 | 7 | 0 | 13.8 | No |  |  | 18380.98 | 5.919 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 60398 |  | XXXX | 549300MQDQ3TUIDR0R90C10100409718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 726 | 758 | 726 | 706 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 9.78 | 13.91 | 19419 |  |  |  | 19419 | Employed |  |  |  | 2.66 |  |  |  | NA |  | 2701.35 | Yes | 0 | 65084.71 | XXXX | XXXX | 24.61 | 24.61 | 24.61 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.25 | 3.25 | 870.41 | 870.41 | 884.95 | 1898.35 | XX/XX/XXXX | Fixed | 360 | 360 | 12-01-2051 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 28014 | 300 | 21 | 0.24526473713821342 | 3 | No |  |  | 5839.53 | 3.466 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 61240 |  | XXXX | 549300MQDQ3TUIDR0R90C10100280902 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 697 | 687 | 700 | 697 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 34.61 | 43.31 | 17000 |  |  |  | 17000 | Employed |  |  |  | 0 |  |  |  | NA |  | 7362.62 | Yes | 18 | 105443.28 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6 | 6 | 4586.56 | 4586.56 | 1122.06 | 5883.62 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  |  |  |  |  |  | 6 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 23332 | 125 | 8 | 0.22508004268943438 | 2.6 | No |  |  | 22738.5 | 6.087 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 61508 |  | XXXX | 549300MQDQ3YUIDR0R90C10100398757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 734 | 727 | 748 | 734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | 09-27-2021 | 744 | 744 | 711 | 759 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Asset Depletion – Debt Ratio Calculation | Investment | Refinance | Cash Out - Other | 27.34 | 43.84 | 33641.31 |  |  |  | 33641.31 | Employed | Employed |  |  | 11 | 11 |  |  | NA |  | 14749.25 | Yes | 350.52 | 5733584.08 | XXXX | XXXX | 23.53 | 23.53 | 23.53 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 9687.5 | 14107.11 | 6250.75 | 16357.58 | XX/XX/XXXX | Fixed | 360 | 480 | 01-01-2062 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | 0 | XXXX | XXXX | -3494 | 755454 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 |  | 3 | 52443 | 434 | 4 | 0.5602028639618138 | 2 | No |  |  | 0 |  | N/A |  | XXXXX | XXXX |
| XXXX | XXXX | 61277 |  | XXXX | 549300MQDQ3TUIDR0R90C10100438915 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 750 | 744 | 750 | 764 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 541 | Yes | 169.21 | 259037.21 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.625 | 5.625 | 1353.52 | 1353.52 | 177.37 | 1530.87 | XX/XX/XXXX | Fixed | 360 | 480 | 01-01-2062 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX | XXXX | -3173 | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 230980.68 |  | 1 |  | 0 |  |  | 7 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 61507 |  | XXXX | 549300MQDQ3TUIDR0R90C10100385662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 691 | 680 | 698 | 691 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 2290 | Yes | 76.5 | 114502.67 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.25 | 4.25 | 1137.37 | 1137.37 | 360.95 | 1496.82 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 60 |  |  | 6 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 61314 |  | XXXX | 549300MQDQ3TUIDR0R90C10100507009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 678 | 662 | 682 | 678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | 11-23-2021 | 677 | 672 | 677 | 723 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  | 12.08 |  |  |  | NA |  | 3401 | No | 60.94 | 71417.57 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.25 | 5.25 | 983.61 | 983.61 |  | 1172 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 |  | 2 |  | 299 |  |  | 2.05 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 62259 |  | XXXX | 549300MQDQ3TUIDR0R90C10100342109 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 732 | 726 | 744 | 732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | 09-27-2021 | 733 | 738 | 723 | 733 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 728 | No | 179.64 | 677861.82 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4 | 4 | 3291.78 | 3291.78 |  | 3773.49 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  |  |  |  |  |  | 4 |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 |  | 2 |  | 135 |  |  | 7 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 62272 |  | XXXX | 549300MQDQ3TUIDR0R90C10100454144 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 764 | 764 | 726 | 765 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 7216.69 | No | 54 | 108306.09 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.375 | 4.375 | 1797.43 | 1797.43 |  | 2000.95 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 4 |  | 88 |  |  | 4 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 62255 |  | XXXX | 549300T7TLOJ8X6X8T43220001877763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 766 | 786 | 766 | 739 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Investment | Purchase | NA | 18.25 | 49.09 | 10395.35 |  |  |  | 10395.35 | Employed |  |  |  | 5.33 |  |  |  | 3 YRS | 5292.53 | 5102.82 | Yes | 16 | 52675.76 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 2558.09 | 2558.09 | 751.34 | 3309.43 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 | 27625 | 195 | 22 | 0.011187382722500654 | 12.33 | No |  |  | 15807.49 |  | N/A |  | XXXXX | XXXX |
| XXXX | XXXX | 61545 |  | XXXX | 549300MQDQ3TUIDR0R90C40100490081 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 608 | 601 | 608 | 616 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 43.01 | 43.01 | 4333.33 |  |  |  | 4333.33 | Employed |  |  |  | 15 |  |  |  | 3 YRS |  | 1863.83 | Yes | 8.5 | 15848.11 | XXXX | XXXX | 72.03 | 72.03 | 72.03 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.5 | 6.5 | 1570.69 | 1570.69 | 293.31 | 1863.83 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  |  |  |  |  |  | 6.5 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 500 | 77 | 0 | 0.548 | 5 | No |  |  | 7306.53 | 6.694 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 61521 |  | XXXX | 549300MQDQ3TUIDR0R90C10100474902 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 604 | 604 | 731 | 592 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | ID | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 2400 | Yes | 78.51 | 148471.47 | XXXX | XXXX | 59.09 | 59.09 | 59.09 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6 | 6 | 1558.83 | 1558.83 |  | 1886.15 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 12 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 1 |  | 92 |  |  | 4 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 61529 |  | XXXX | 549300MQDQ3TUIDR0R90C10100495660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | true | XXXX | 761 | 753 | 761 | 764 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 8910.01 | No | 84.58 | 486542.1 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4 | 4 | 3875 | 3875 |  | 5752.43 | XX/XX/XXXX | Fixed | 360 | 480 | 01-01-2062 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | N | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 313 |  |  | 5 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 61531 |  | XXXX | 549300MQDQ3TUIDR0R90C10100504875 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 759 | 759 | 770 | 740 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 15708.92 | No | 14 | 57178.2 | XXXX | XXXX | 51.4 | 51.4 | 51.4 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.375 | 3.375 | 3614.06 | 3614.06 |  | 4183.92 | XX/XX/XXXX | Fixed | 360 | 480 | 01-01-2062 | 0 |  |  |  |  |  |  |  |  | 3.375 |  |  |  |  |  |  | Yes | 120 | No | No |  | N | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX | XXXX | -6340 | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 415 |  |  | 11 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 61536 |  | XXXX | 549300MQDQ3TUIDR0R90C10100520104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 666 | 658 | 666 | 684 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 9.86 | 13.33 | 27000 |  |  |  | 27000 | Employed |  |  |  | 6.25 |  |  |  | NA | 20737.65 | 3599.35 | Yes | 117.12 | 311930.3 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.625 | 5.625 | 2250.82 | 2250.82 | 412.53 | 2663.35 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 40236 | 104 | 12 | 0.0009495982468955442 | 0.58 | No |  |  | 11667.32 | 5.674 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 62304 |  | XXXX | 549300MQDQ3TUIDR0R90C20200546552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 727 | 712 | 727 | 732 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 22458.72 | Yes | 235 | 371293.61 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.25 | 4.25 | 1298.72 | 1298.72 | 281.47 | 1578.61 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 12 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 78963.71 |  | 11 |  | 226 |  |  | 2.5 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 61500 |  | XXXX | 549300MQDQ3TUIDR0R90C10100265091 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 718 | 645 | 718 | 720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false |  | 680 | 680 | 704 | 652 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 1743 | Yes | 10.73 | 23067.62 | XXXX | XXXX | 62.36 | 62.36 | 62.36 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.625 | 4.625 | 1298.46 | 1298.46 |  | 2136.35 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 1 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX | XXXX | -6931 | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 23067.62 |  | 1 |  | 432 |  |  | 20 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 57711 |  | XXXX | 549300MQDQ3TUIDR0R90C10100319896 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 791 | 778 | 791 | 799 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 0 | 13.53 | 155493.55 |  |  |  | 155493.55 | Not Employed |  |  |  |  |  |  |  | NA | 134459.98 | 21033.57 | No | 5906.56 | 227590.88 | XXXX | XXXX | 50 | 50 | 50 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3 | 3 | 1437.5 | 1437.5 | 0 | 2254.12 | XX/XX/XXXX | Fixed | 360 | 480 | 12-01-2061 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 5 | 43200 | 294 | 18 | 0.044657926627740444 | 2 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 61515 |  | XXXX | 549300MQDQ3TUIDR0R90C10100447354 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 733 | 733 | 723 | 753 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 18.65 | 31.02 | 49092 |  |  |  | 49092 | Employed |  |  |  | 29.25 |  |  |  | NA |  | 15227.29 | Yes | 13.91 | 84805.57 | XXXX | XXXX | 72.12 | 72.13 | 72.13 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.25 | 4.25 | 4087.08 | 7145.97 | 1437.81 | 6097.89 | XX/XX/XXXX | Fixed | 240 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 4618.77 |  | 2 | 64775 | 0 | 7 | 0.6297314704716607 | 3.75 | No |  |  | 34359.94 | 4.305 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 61517 |  | XXXX | 549300MQDQ3TUIDR0R90C10100452010 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | No | false | XXXX | 767 | 777 | 767 | 759 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 0 | Yes | 651 | 392919.73 | XXXX | XXXX | 72.03 | 72.03 | 72.03 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.5 | 4.5 | 4781.25 | 4781.25 |  | 9148.67 | XX/XX/XXXX | Fixed | 360 | 480 | 01-01-2062 | 0 |  |  |  |  |  |  |  |  | 4.5 |  |  |  |  |  |  | Yes | 120 | No | No |  | N | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 | 0 | 506 | 0 |  | 4.08 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 61519 |  | XXXX | 549300MQDQ3TUIDR0R90C10100468015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 645 | 652 | 645 | 644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | 11-10-2021 | 701 | 685 | 732 | 701 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 17.92 | 26.87 | 15000 | 7749.99 |  |  | 22749.99 | Employed | Employed |  |  | 25.08 | 10.25 |  |  | 2 YRS |  | 6112.74 | Yes | 3.95 | 20243.24 | XXXX | XXXX | 64.44 | 64.44 | 64.44 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.75 | 4.75 | 3025.55 | 3025.55 | 1026.12 | 4076.67 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  |  |  |  |  |  | 4.75 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 101168 | 202 | 31 | 0.03274390870772078 | 16.05 | No |  |  | 17099.47 | 4.901 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 62275 |  | XXXX | 549300MQDQ3TUIDR0R90C10100469567 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 656 | 645 | 656 | 667 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 855 | Yes | 125 | 196649.62 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.5 | 4.5 | 1061 | 1061 |  | 1571.48 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  |  |  |  |  |  | 4.5 |  |  |  |  |  |  | No | 0 | No | No |  | N | 60 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | Yes | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 1 |  | 0 |  |  | 6.33 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 61523 |  | XXXX | 549300MQDQ3TUIDR0R90C10100480916 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 733 | 733 | 725 | 737 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Investment | Refinance | Cash Out - Other | 36.91 | 44.85 | 11735 |  |  |  | 11735 | Employed |  |  |  | 20 |  |  |  | 2 YRS |  | 5263.17 | Yes | 265.98 | 294783.22 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.375 | 4.375 | 936.66 | 936.66 | 0 | 1108.31 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  |  |  |  |  |  | 4.375 |  |  |  |  |  |  | No | 0 | No | No | false | N | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX | XXXX | -699 | 125000 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 180808.61 |  | 2 | 30500 | 294 | 16 | 0.21000442822629917 | 13 | No |  |  | 0 |  | N/A |  | XXXXX | XXXX |
| XXXX | XXXX | 61542 |  | XXXX | 549300MQDQ3TUIDR0R90C22700487976 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 676 | 699 | 664 | 676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien | No | true | 10-01-2021 | 667 | 650 | 676 | 667 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 24.47 | 34.84 | 11129 |  |  |  | 11129 | Employed | Not Employed |  |  | 2.25 |  |  |  | NA |  | 3877.65 | Yes | 8 | 20446.89 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.375 | 5.375 | 2141.89 | 2141.89 | 581.76 | 2723.65 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 35373 | 309 | 9 | 0.036727272727272726 | 14.08 | No |  |  | 11078.07 | 5.694 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 61527 |  | XXXX | 549300MQDQ3TUIDR0R90C10100490713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 651 | 623 | 655 | 651 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 26.85 | 27.65 | 16572 |  |  |  | 16572 | Employed |  |  |  | 20.08 |  |  |  | NA |  | 4582.38 | No | 12.82 | 48037.33 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.25 | 5.25 | 2681 | 3383.9 | 0 | 3747.48 | XX/XX/XXXX | Fixed | 360 | 480 | 01-01-2062 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | false | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 5000 | 0 | 6 | 0.011776649746192894 | 2 | No |  |  | 18216.61 | 5.314 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 61530 |  | XXXX | 549300MQDQ3TUIDR0R90C10100497018 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 737 | 734 | 751 | 737 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | No Cash Out - Borrower Initiated | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 45446.44 | Yes | 92 | 187153.55 | XXXX | XXXX | 31.78 | 31.78 | 31.78 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.375 | 3.375 | 1153.13 | 1153.13 | 2039.12 | 2039.12 | XX/XX/XXXX | Fixed | 360 | 480 | 01-01-2062 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX | XXXX | -1049 | 797500 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 5 |  | 417 |  |  | 2.3 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 61950 |  | XXXX | 549300MQDQ3TUIDR0R90C10100504487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 673 | 655 | 684 | 673 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 34.89 | 40.47 | 6750.31 |  |  |  | 6750.31 | Employed |  |  |  | 2.41 |  |  |  | NA |  | 2732.09 | Partial | 6 | 25339.39 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.5 | 5.5 | 1589.81 | 1589.81 | 414.33 | 2355.14 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 7576 | 117 | 11 | 0.07240506329113924 | 4.16 | No |  |  | 8167.67 | 5.758 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 63047 |  | XXXX | 549300MQDQ3TUIDR0R90C10100509822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 661 | 744 | 646 | 661 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 35 | Yes | 27.97 | 71240.7 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.625 | 5.625 | 2158.59 | 2158.59 | 2622.91 | 2546.73 | XX/XX/XXXX | Fixed | 360 | 480 | 01-01-2062 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 12 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 35620.35 |  | 2 |  | 0 |  |  | 5 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63051 |  | XXXX | 549300MQDQ3TUIDR0R90C10100524760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 711 | 716 | 711 | 683 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | No Cash Out - Borrower Initiated | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 766 | Yes | 16 | 43557.41 | XXXX | XXXX | 74.84 | 74.84 | 74.84 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5 | 5 | 2490.85 | 2490.85 | 2693.53 | 2693.53 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  |  |  |  |  |  | 5 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX | XXXX | -168 | 460000 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 1130.64 |  | 2 |  | 272 |  |  | 13 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 61539 |  | XXXX | 549300MQDQ3TUIDR0R90C10100527961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | true | XXXX | 732 | 748 | 732 | 713 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 20.52 | 33.22 | 8313 |  |  |  | 8313 | Employed |  |  |  | 3.25 |  |  |  | NA |  | 2761.86 | Yes | 11 | 20268.41 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.875 | 5.875 | 1216.79 | 1216.79 | 489.07 | 1705.86 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 24832 | 202 | 15 | 0.09824121209196844 | 1 | No |  |  | 6080.27 | 6.013 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 61541 |  | XXXX | 549300MQDQ3TUIDR0R90C20200546455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 727 | 712 | 727 | 732 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 22604.02 | Yes | 164 | 293991.47 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.25 | 4.25 | 1590.2 | 1590.2 | 180.01 | 1770.21 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  |  |  |  |  |  | 4.25 |  |  |  |  |  |  | No | 0 | No | No |  | N | 12 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 11 |  | 227 |  |  | 2.5 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 62256 |  | XXXX | 549300T7TLOJ8X6X8T43220001878830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 719 | 694 | 719 | 724 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 13.35 | 19 | 27307 |  |  |  | 27307 | Employed |  |  |  | 29.91 |  |  |  | NA |  | 5188.36 | Yes | 8.84 | 32228.61 | XXXX | XXXX | 50.74 | 50.74 | 50.74 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.375 | 3.375 | 3028.36 | 3028.36 | 618 | 3646.36 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  |  |  |  |  |  | 3.375 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 3 | 55000 | 466 | 11 | 0.2949497367161321 | 21.41 | No |  |  | 19959.08 | 3.610 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 62257 |  | XXXX | 549300T7TLOJ8X6X8T43220001879897 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 760 | 770 | 760 | 760 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 14.23 | 16.41 | 27307 |  |  |  | 27307 | Employed |  |  |  | 29.91 |  |  |  | NA |  | 4481 | Yes | 7.8 | 30315.03 | XXXX | XXXX | 55.94 | 55.94 | 55.94 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.375 | 3.375 | 2873.63 | 2873.63 | 1011.59 | 3885.22 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 49388 | 0 | 43 | 0.0905688952008697 | 11.25 | No |  |  | 19033.02 | 3.570 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 61921 |  | XXXX | 549300MQDQ3TUIDR0R90C10100405741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 746 | 746 | 752 | 742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 08-24-2021 | 752 | 752 | 742 | 763 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 20.11 | 34.25 | 24658.29 | 2230 |  |  | 26888.29 | Employed | Employed |  |  | 0.08 | 0.08 |  |  | NA |  | 9209.38 | Yes | 45.38 | 245891.18 | XXXX | XXXX | 37.46 | 37.45 | 37.45 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.25 | 3.25 | 4502.21 | 4502.21 | 904.17 | 5406.38 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  | 0 |  |  |  |  | 3.25 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 4 | 26100 | 0 | 20 | 0.07282684855504554 | 22 | No |  |  | 30597.2 | 3.363 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 61922 |  | XXXX | 549300MQDQ3TUIDR0R90C10100406032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 746 | 746 | 752 | 742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | 12-14-2021 | 752 | 752 | 742 | 763 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Refinance | No Cash Out - Borrower Initiated | 27.64 | 37.65 | 25342.81 | 1882 |  |  | 27224.81 | Employed | Employed |  |  | 0.16 | 0.16 |  |  | NA |  | 10250 | Yes | 41 | 136980.14 | XXXX | XXXX | 33.27 | 33.27 | 33.27 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.25 | 3.25 | 2389.28 | 2389.28 | 940.2 | 3329.73 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  | 0 |  |  |  |  | 3.25 |  |  |  |  |  |  | No | 0 | No | No |  | N | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 |  | 5 | 100000 | 447 | 24 | 0.34158627651537943 | 22 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 61948 |  | XXXX | 549300MQDQ3TUIDR0R90C10100501868 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 749 | 749 | 722 | 753 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 11.79 | 36.94 | 100000 |  |  |  | 100000 | Employed |  |  |  | 12 |  |  |  | NA | 63056.17 | 36943.83 | Partial | 50.64 | 596760.43 | XXXX | XXXX | 64.9 | 64.9 | 64.9 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.125 | 3.125 | 8340.47 | 8340.47 | 2998.34 | 11785.06 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  | 0 |  |  |  |  | 3.125 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 9 | 120677 | 369 | 22 | 0.20133333333333334 | 11.33 | No |  |  | 57827.48 | 3.202 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 62306 |  | XXXX | 549300MQDQ3TUIDR0R90C22900531076 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 736 | 745 | 701 | 736 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 35.7 | 39.12 | 12364 |  |  |  | 12364 | Employed |  |  |  | 21 |  |  |  | NA |  | 4836.55 | Yes | 13 | 57098.16 | XXXX | XXXX | 30.22 | 30.22 | 30.22 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 3197.61 | 3197.61 | 1215.94 | 4413.55 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  | 0 |  |  |  |  | 3.875 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 4 | 10000 | 256 | 6 | 0.3878605388272583 | 16.8 | No |  |  | 19937.59 | 4.066 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 62299 |  | XXXX | 549300MQDQ3TUIDR0R90C10100542220 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | true | XXXX | 770 | 781 | 764 | 770 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 1351 | Yes | 22 | 34593.34 | XXXX | XXXX | 63.33 | 63.33 | 63.33 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.375 | 3.375 | 1343.97 | 1343.97 | 1913.24 | 1604.12 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 1 |  | 0 |  |  | 7.75 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 62260 |  | XXXX | 549300MQDQ3TUIDR0R90C10100352197 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 791 | 791 | 756 | 797 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | No Cash Out - Borrower Initiated | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 516 | No | 1.64 | 1842.89 | XXXX | XXXX | 26.46 | 26.46 | 26.46 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.375 | 3.375 | 760.41 | 760.41 |  | 1125.89 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX | XXXX | -1378 | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 4 |  | 88 |  |  | 4.10 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 61935 |  | XXXX | 549300MQDQ3TUIDR0R90C10100470537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 810 | 810 | 820 | 808 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 36.25 | 37.15 | 3888 |  |  |  | 3888 | Employed |  |  |  | 22.08 |  |  |  | NA |  | 1444.43 | No | 8.32 | 11728.38 | XXXX | XXXX | 35.53 | 35.53 | 35.53 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.125 | 3.125 | 1004.54 | 1004.54 | 0 | 1409.43 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  |  |  |  |  |  | 3.125 |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 3855.55 |  | 1 | 7100 | 343 | 2 | 0.12123737110717633 | 2 | No |  |  | 6945.29 | 3.396 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 61968 |  | XXXX | 549300MQDQ3TUIDR0R90C10100533684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 737 | 737 | 738 | 723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | 11-02-2021 | 798 | 802 | 798 | 772 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 25.05 | 47.48 | 63751 |  |  |  | 63751 | Employed | Not Employed |  |  | 5.5 |  |  |  | NA |  | 30268.11 | Yes | 36 | 730787.37 | XXXX | XXXX | 43.66 | 43.66 | 43.66 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.125 | 3.125 | 9959.73 | 9959.73 | 5986.88 | 15970.11 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  |  |  |  |  |  | 3.125 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 5 | 125784 | 234 | 11 | 0.02151116594178655 | 6.58 | No |  |  | 68812 | 3.232 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 62262 |  | XXXX | 549300MQDQ3TUIDR0R90C10100359278 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 678 | 678 | 670 | 738 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 23.83 | 36.95 | 11500 |  |  |  | 11500 | Employed |  |  |  | 3.66 |  |  |  | NA |  | 4249.65 | Yes | 10 | 27021.94 | XXXX | XXXX | 84.89 | 84.89 | 84.89 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.375 | 4.375 | 1562.76 | 1562.76 | 1077.54 | 2740.3 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 44965 | 112 | 15 | 0.4191531404375441 | 2 | No |  |  | 8933.06 | 4.799 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 62270 |  | XXXX | 549300MQDQ3TUIDR0R90C10100448421 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 712 | 709 | 715 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | 11-04-2021 | 726 | 708 | 744 | 726 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 6.04 | 14.76 | 57883 |  |  |  | 57883 | Employed | Employed |  |  | 30 | 15 |  |  | 1 YR |  | 8543.39 | Yes | 71.57 | 250221.01 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 2445.23 | 2445.23 | 988.66 | 3496.39 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 2 | 22000 | 259 | 22 | 0.45056663718843143 | 2 | No |  |  | 15225.49 | 4.076 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 63034 |  | XXXX | 549300MQDQ3TUIDR0R90C10100451816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 803 | 791 | 803 | 803 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 14.51 | 16.96 | 31202 |  |  |  | 31202 | Employed |  |  |  | 8.91 |  |  |  | NA |  | 5292.55 | No | 40 | 182167.3 | XXXX | XXXX | 50.89 | 50.89 | 50.89 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.125 | 3.125 | 2942.94 | 2942.94 | 0 | 4526.64 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 38000 | 232 | 14 | 0.034948787061994606 | 4 | No |  |  | 20377.95 | 3.214 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 62282 |  | XXXX | 549300MQDQ3TUIDR0R90C10100487706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 663 | 663 | 667 | 662 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 28.78 | 30.56 | 14827 |  |  |  | 14827 | Employed |  |  |  | 14 |  |  |  | NA |  | 4531.11 | Yes | 125.89 | 537184.22 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.625 | 4.625 | 2987.15 | 2987.15 | 763.95 | 4267.11 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  | 0 |  |  |  |  | 4.625 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 16000 | 462 | 8 | 0.3047472250095689 | 2 | No |  |  | 16949.22 | 4.867 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 61969 |  | XXXX | 549300MQDQ3TUIDR0R90C10100533781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 778 | 796 | 778 | 760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | 11-22-2021 | 769 | 785 | 769 | 729 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Investment | Refinance | Cash Out - Other | 11.72 | 37.07 | 16978.41 | 3067 |  |  | 20045.41 | Employed | Employed |  |  | 14 | 3 |  |  | NA |  | 7431.63 | Yes | 76.39 | 225222.1 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.25 | 5.25 | 2415 | 3048.16 | 533.47 | 2948.48 | XX/XX/XXXX | Fixed | 360 | 480 | 01-01-2062 | 0 |  |  |  | 0 |  |  |  |  | 5.25 |  |  |  |  |  |  | Yes | 120 | No | No | false | N | 20 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX | XXXX | -1588 | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 205083.01 |  | 2 | 25000 | 0 | 23 | 0.13851077226668743 | 6.16 | No |  |  | 0 |  | N/A |  | XXXXX | XXXX |
| XXXX | XXXX | 63080 |  | XXXX | 549300MQDQ3TUIDR0R90C40100543334 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 700 | 705 | 695 | 700 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 141 | Yes | 30.29 | 141118.61 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.625 | 4.625 | 3958.87 | 3958.87 | 699.52 | 4658.4 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 48 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX | XXXX | -731 | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 210 |  |  | 26.08 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 62279 |  | XXXX | 549300MQDQ3TUIDR0R90C10100484796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 707 | 707 | 0 | 711 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | 309471.54 |  |  |  | 309471.54 |  |  |  |  |  |  |  |  | NA |  | 0 | Yes | 97.88 | 531993.24 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.875 | 3.875 | 4608.32 | 4608.32 | 5435.16 | 5435.16 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 48 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 531993.24 |  | 6 | 0 | 269 | 0 |  | 30 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 62307 |  | XXXX | 549300MQDQ3TUIDR0R90C40100493379 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 767 | 763 | 767 | 772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien | Yes | false | 11-10-2021 | 803 | 803 | 814 | 802 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 45.67 | 51.84 | 9269.16 |  |  |  | 9269.16 | Employed | Employed |  |  | 21 | 21 |  |  | 2 YRS |  | 4804.97 | Yes | 13.52 | 57240.7 | XXXX | XXXX | 52.05 | 52.05 | 52.05 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 3243.23 | 3243.23 | 989.73 | 4232.97 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  | 0 |  |  |  |  | 3.875 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 14400 | 399 | 14 | 0.07735370360156638 | 18.9 | No |  |  | 20433.12 | 3.978 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 62716 |  | XXXX | 549300MQDQ3TUIDR0R90C10100526894 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien |  | false | XXXX | 786 | 786 | 788 | 785 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 6683.85 | No | 165 | 604684.83 | XXXX | XXXX | 64.8 | 64.8 | 64.8 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.875 | 3.875 | 2727.38 | 2727.38 |  | 3659.64 | XX/XX/XXXX | Fixed | 360 | 360 | 01-01-2052 | 0 |  |  |  | 0 |  |  |  |  | 3.875 |  |  |  |  |  |  | No | 0 | No | No |  | N | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 113 |  |  | 1.41 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63057 |  | XXXX | 549300MQDQ3TUIDR0R90C10100558322 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non Permanent Resident Alien | Yes | false | XXXX | 662 | 657 | 675 | 662 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 7.4 | 18.04 | 30275 |  |  |  | 30275 | Employed |  |  |  | 9 |  |  |  | NA |  | 5462.4 | No | 21 | 50289.82 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.5 | 4.5 | 1884.87 | 1884.87 | 0 | 2240.4 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 | 30588 | 80 | 10 | 0.2969601677148847 | 4 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 62703 |  | XXXX | 549300MQDQ3TUIDR0R90C10100364225 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 679 | 679 | 659 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 10-18-2021 | 636 | 663 | 633 | 636 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 14.04 | 19.72 | 24557 |  |  |  | 24557 | Employed | Not Employed |  |  | 16 |  |  |  | NA | 19714.32 | 4842.68 | Yes | 6 | 20237.88 | XXXX | XXXX | 36.49 | 36.49 | 58.94 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.125 | 4.125 | 1679.95 | 1679.95 | 863.73 | 3448.68 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 213305 | Existing 2nd | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 17259 | 312 | 8 | 0.16720467632175887 | 18 | No |  |  | 10217.59 | 4.272 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 62276 |  | XXXX | 549300MQDQ3TUIDR0R90C10100478588 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 741 | 730 | 741 | 754 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 24.11 | 33.73 | 10492 |  |  |  | 10492 | Employed |  |  |  | 16.9 |  |  |  | NA |  | 3539.45 | Yes | 1 | 1605.7 | XXXX | XXXX | 38.61 | 38.61 | 38.61 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.125 | 3.125 | 1901.99 | 1901.99 | 627.45 | 2529.45 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 3.125 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 4 | 16000 | 234 | 20 | 0.20402074745299018 | 8 | No |  |  | 13122.38 | 3.243 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 62308 |  | XXXX | 549300MQDQ3TUIDR0R90C40100518696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 690 | 711 | 663 | 690 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 4.12 | 6.06 | 40000 |  |  |  | 40000 | Employed |  |  |  | 28.5 |  |  |  | NA |  | 2422.99 | No | 62.72 | 103358.07 | XXXX | XXXX | 19.02 | 19.01 | 19.01 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4 | 4 | 1289.02 | 1289.02 | 0 | 1647.99 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 4 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 20500 | 250 | 10 | 0.47348803655164123 | 55 | No |  |  | 7892.1 | 4.199 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 62751 |  | XXXX | 549300MQDQ3TUIDR0R90C23100542457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 732 | 753 | 725 | 732 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 112 | Yes | 164 | 330830.89 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.5 | 5.5 | 1635.23 | 1635.23 | 461.08 | 2038.65 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 5.5 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 334 |  |  | 11.91 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 62727 |  | XXXX | 549300MQDQ3TUIDR0R90C10100564724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 810 | 810 | 813 | 806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | 12-01-2022 | 808 | 808 | 815 | 804 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 4082.17 | No | 32 | 62439.02 | XXXX | XXXX | 59.25 | 59.25 | 59.25 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.375 | 3.375 | 1464.22 | 1464.22 |  | 1925.55 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX | XXXX | -1468 | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 |  | 3 |  | 332 |  |  | 23 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 62309 |  | XXXX | 549300MQDQ3TUIDR0R90C40100575247 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 813 | 813 | 803 | 822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 12-14-2021 | 813 | 813 | 803 | 822 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 27.1 | 27.43 | 28238 |  |  |  | 28238 | Employed | Not Employed |  |  | 17 |  |  |  | NA |  | 7746.55 | Yes | 22 | 164857.89 | XXXX | XXXX | 50.44 | 50.44 | 50.44 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 5360.7 | 5360.7 | 0 | 7652.55 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 3.875 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 24000 | 254 | 6 | 0.04583695652173913 | 20.5 | No |  |  | 33714.94 | 3.993 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 62750 |  | XXXX | 549300MQDQ3TUIDR0R90C20200572160 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 728 | 728 | 755 | 723 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | 0 | 12175.38 | No | 53.61 | 119024.03 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.125 | 4.125 | 1835.61 | 1835.61 |  | 2219.98 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 4.125 |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 0 |  |  | 1.08 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 62740 |  | XXXX | 549300MQDQ3TUIDR0R90C10100596734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 794 | 794 | 802 | 783 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 1343.01 | Yes | 55.89 | 74499.03 | XXXX | XXXX | 62.82 | 62.82 | 62.82 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.375 | 3.375 | 1083.14 | 1083.14 | 259.87 | 1332.85 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 3.375 |  |  |  |  |  |  | No | 0 | No | No |  | N | 48 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX | XXXX | -7895 | 110000 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 0 |  |  | 10.6 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63346 |  | XXXX | 549300MQDQ3TUIDRoR90C10100305831 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 687 | 687 | 696 | 681 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 43.8 | 50.95 | 5747.59 |  |  |  | 5747.59 | Employed |  |  |  | 30.33 |  |  |  | 2 YRS | 301.93 | 2928.33 | Yes | 6 | 11798.89 | XXXX | XXXX | 67.33 | 67.33 | 67.33 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.25 | 5.25 | 1555.31 | 1963.08 | 278.25 | 2109.56 | XX/XX/XXXX | Fixed | 360 | 480 | 02-01-2062 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 4259 | 209 | 2 | 0 | 38 | No |  |  | 10553.53 | 5.303 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 62733 |  | XXXX | 549300MQDQ3TUIDR0R90C10100575588 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 689 | 666 | 689 | 719 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 11.49 | 36.16 | 24324 |  |  |  | 24324 | Employed |  |  |  | 14.5 |  |  |  | NA |  | 8794.82 | Yes | 78 | 218582.52 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.75 | 4.75 | 2420.44 | 2420.44 | 350.38 | 2794.82 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 66031 | 537 | 18 | 0.9230943144156412 | 6 | No |  |  | 13550.79 | 4.984 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 63355 |  | XXXX | 549300MQDQ3TUIDR0R90C10100563560 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 763 | 770 | 763 | 725 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 9241.65 | Yes | 47.7 | 86316.91 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.875 | 4.875 | 1528.09 | 1528.09 | 1809.65 | 1809.62 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 24 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 86316.91 |  | 3 |  | 272 |  |  | 4 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63359 |  | XXXX | 549300MQDQ3TUIDR0R90C40100585626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien | No | false | XXXX | 774 | 774 | 716 | 789 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 40.51 | 41.6 | 15653.43 |  |  |  | 15653.43 | Not Employed |  |  |  |  |  |  |  | NA |  | 6511.81 | No | 294.17 | 1865273.89 | XXXX | XXXX | 59.95 | 59.95 | 59.95 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 4701.9 | 4701.9 | 0 | 6340.81 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 2 | 18500 | 391 | 4 | 0.3037037037037037 | 19 | No |  |  | 29595.2 | 3.977 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 63065 |  | XXXX | 549300MQDQ3TUIDR0R90C1010059339 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 752 | 752 | 749 | 769 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 11.38 | 12.44 | 47492 |  |  |  | 47492 | Employed |  |  |  | 14 |  |  |  | NA |  | 5908.87 | Yes | 17 | 75489.45 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.5 | 4.5 | 4256.16 | 4256.16 | 1150.83 | 5406.87 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 3500 | 396 | 2 | 0.002285714285714286 | 1 | No |  |  | 24533.4 | 4.730 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 63349 |  | XXXX | 549300MQDQ3TUIDR0R90C10100433192 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 620 | 620 | 624 | 589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 10-12-2021 | 632 | 637 | 632 | 601 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 29.9 | 48.45 | 11458.33 | 2879.08 |  |  | 14337.41 | Employed | Employed |  |  | 3.16 | 10 |  |  | 2 YRS |  | 6946.77 | Yes | 282.51 | 1211056.38 | XXXX | XXXX | 63 | 63 | 63 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5 | 5 | 3381.98 | 3381.98 | 905.62 | 4286.77 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 605528.19 |  | 1 | 39044 | 475 | 7 | 0.87775 | 6.5 | No |  |  | 18440.72 | 5.217 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 63037 |  | XXXX | 549300MQDQ3TUIDR0R90C10100466851 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 754 | 747 | 765 | 754 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Second Home | Refinance | Cash Out - Other | 5.95 | 23.86 | 50084 |  |  |  | 50084 | Employed |  |  |  | 5 |  |  |  | NA |  | 11951.15 | Yes | 30.55 | 139565.18 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.875 | 4.875 | 3778.55 | 3778.55 | 789.6 | 4568.15 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 4.875 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 3 | 57412 | 124 | 3 | 0.014285714285714285 | 4.25 | No |  |  | 20769.48 | 5.146 | N/A |  | XXXXX | XXXX |
| XXXX | XXXX | 63040 |  | XXXX | 5493008E4KBJCB6UKR649009666084 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 700 | 700 | 640 | 703 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 3739.84 | Yes | 101.08 | 103086.91 | XXXX | XXXX | 54.31 | 54.31 | 54.31 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5 | 5 | 912.6 | 912.6 | 1019.84 | 1019.84 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 5 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 4 |  | 70 |  |  | 2.5 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63048 |  | XXXX | 549300MQDQ3TUIDR0R90C10100515351 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 739 | 737 | 748 | 739 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 10908.2 | No | 98 | 414203.37 | XXXX | XXXX | 72.41 | 72.41 | 72.41 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.75 | 4.75 | 3325 | 3325 |  | 4214.75 | XX/XX/XXXX | Fixed | 240 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 4.75 |  |  |  |  |  |  | Yes | 120 | No | No |  | N | 24 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 414203.37 |  | 4 |  | 38 |  |  | 2 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 62754 |  | XXXX | 549300MQDQ3TUIDR0R90C40100591446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 788 | 776 | 788 | 799 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Asset Utilization (No DTI) | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 27.82 | 29.14 | 21514.45 |  |  |  | 21514.45 | Employed |  |  |  |  |  |  |  | NA |  | 6269.57 | Yes | 194.06 | 1161567.85 | XXXX | XXXX | 32.32 | 32.32 | 32.32 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 4022.88 | 4022.88 | 1528.68 | 5985.57 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 2 | 75850 | 489 | 9 | 0.10788278992983905 | 20 | No |  |  | 25369.16 | 3.971 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 62737 |  | XXXX | 549300MQDQ3TUIDR0R90C10100499249 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 675 | 675 | 666 | 683 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 14.05 | 24.41 | 41229 |  |  |  | 41229 | Employed |  |  |  | 03.16 |  |  |  | NA |  | 10062.19 | Yes | 17 | 137588.09 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.125 | 5.125 | 4573.69 | 4573.69 | 1217.5 | 5791.19 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 5.125 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 73060 | 131 | 10 | 0.33988677303139475 | 3.16 | No |  |  | 24649.98 | 5.321 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 62695 |  | XXXX | 549300T7TLOJ8X6X8T43220001876793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 730 | 730 | 667 | 735 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 16.25 | 37.7 | 22963.61 |  |  |  | 22963.61 | Employed |  |  |  | 4 |  |  |  | 1 YR | 19231.41 | 8658.2 | Partial | 61.39 | 229122.98 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.625 | 4.625 | 3059.13 | 3059.13 | 673.07 | 3732.2 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 3 | 20500 | 332 | 7 | 0.4638169480382258 | 3.2 | No |  |  | 17444.11 | 4.817 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 63055 |  | XXXX | 549300MQDQ3TUIDR0R90C10100557061 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 650 | 649 | 655 | 650 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 1032 | Yes | 30.04 | 60944.3 | XXXX | XXXX | 42.27 | 42.27 | 42.27 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.5 | 4.5 | 1606.19 | 1606.19 | 2050.57 | 2033.32 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 4.5 |  |  |  |  |  |  | No | 0 | No | No |  | N | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 60944.3 |  | 1 |  | 349 |  |  | 16 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63062 |  | XXXX | 549300MQDQ3TUIDR0R90C10100584706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 716 | 721 | 716 | 709 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 50 | No | 144 | 443902.67 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.25 | 5.25 | 2590 | 2590 |  | 3416.18 | XX/XX/XXXX | Fixed | 240 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 5.25 |  |  |  |  |  |  | Yes | 120 | No | No |  | N | 24 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 4 |  | 44 |  |  | 0.9 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63066 |  | XXXX | 549300MQDQ3TUIDR0R90C10100593630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 728 | 732 | 728 | 727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | 12-23-2021 | 773 | 773 | 791 | 773 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 12.12 | 13.61 |  | 51246 |  |  | 51246 | Not Employed | Employed |  |  |  | 30.08 |  |  | NA |  | 6976.6 | No | 19 | 157254.55 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 4796.42 | 4796.42 | 0 | 6209.12 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 3.875 |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 48000 | 452 | 30 | 0.07540666328740611 | 2 | No |  |  | 30089.45 | 4.014 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 63083 |  | XXXX | 549300MQDQ3TUIDR0R90C40100599303 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 780 | 780 | 768 | 798 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 32.45 | 47.94 | 14519.3 |  |  |  | 14519.3 | Employed |  |  |  | 30.8 |  |  |  | NA |  | 6960.28 | No | 246 | 1158179.81 | XXXX | XXXX | 57.86 | 57.86 | 57.86 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 3564.4 | 3564.4 | 0 | 4711.28 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 3.875 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 30800 | 388 | 12 | 0.040055698420006516 | 5 | No |  |  | 22540.71 | 3.943 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 62747 |  | XXXX | 549300MQDQ3TUIDR0R90C10100638929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 765 | 766 | 738 | 765 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 86 | No | 21 | 40974.67 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.625 | 4.625 | 1246.27 | 1246.27 | 0 | 1872.92 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 4.625 |  |  |  |  |  |  | No | 0 | No | No |  | N | 60 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 7 |  | 190 |  |  | 2 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63036 |  | XXXX | 549300MQDQ3TUIDR0R90C10100458412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 665 | 665 | 732 | 625 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 28.77 | 33.54 | 11403 |  |  |  | 11403 | Employed |  |  |  | 13.16 |  |  |  | NA |  | 3824.14 | Yes | 23 | 74008.56 | XXXX | XXXX | 76.3 | 76.3 | 76.3 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.375 | 4.375 | 2552.35 | 2552.35 | 727.79 | 3280.14 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 4.375 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 2 | 20000 | 0 | 11 | 0.1931524251189984 | 4 | No |  |  | 14901.89 | 4.613 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 62709 |  | XXXX | 549300MQDQ3TUIDR0R90C10100466463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 634 | 634 | 638 | 616 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 428 | Yes | 7 | 25793.35 | XXXX | XXXX | 41.21 | 41.21 | 41.21 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 3.875 | 3.875 | 2558.09 | 2558.09 |  | 3484.43 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 3.875 |  |  |  |  |  |  | No | 0 | No | No |  | N | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 5657.23 |  | 2 |  | 389 |  |  | 6.08 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 62721 |  | XXXX | 549300MQDQ3TUIDR0R90C10100546197 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 752 | 752 | 740 | 753 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 781.14 | No | 24 | 77137.19 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.375 | 4.375 | 2621.25 | 2621.25 |  | 3203.05 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 4.375 |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 200 |  |  | 16.75 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63063 |  | XXXX | 549300MQDQ3TUIDR0R90C10100590138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 794 | 794 | 800 | 785 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 4399.7 | Yes | 32 | 366857.99 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4 | 4 | 3103.2 | 3103.2 | 563.33 | 3666.52 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 4 |  |  |  |  |  |  | No | 0 | No | No |  | N | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 1 |  | 103 |  |  | 40 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63031 |  | XXXX | 549300MQDQ3TUIDR0R90C10100337065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 692 | 682 | 692 | 714 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 15.59 | 38.22 | 30893 |  |  |  | 30893 | Employed |  |  |  | 0.33 |  |  |  | NA |  | 11808.54 | Yes | 47.6 | 145369.29 | XXXX | XXXX | 48.11 | 48.11 | 48.11 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 2058.59 | 3821.26 | 995.28 | 3053.87 | XX/XX/XXXX | Fixed | 240 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 3.875 |  |  |  |  |  |  | Yes | 120 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 52941 | 172 | 12 | 0.24628048780487805 | 14 | No |  |  | 18382.1 | 4.156 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 63354 |  | XXXX | 549300MQDQ3TUIDR0R90C10100561426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 691 | 707 | 690 | 691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 01-07-2022 | 738 | 738 | 0 | 0 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 21.81 | 32.23 | 8500 |  |  |  | 8500 | Employed | Not Employed |  |  | 3.5 | 3.5 |  |  | NA |  | 2739.92 | No | 59 | 109780.17 | XXXX | XXXX | 46.72 | 46.72 | 46.72 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 1504.76 | 1504.76 | 0 | 1853.92 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 3.875 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 17300 | 276 | 22 | 0.26651357069236753 | 21 | No |  |  | 9202.07 | 4.227 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 63054 |  | XXXX | 549300MQDQ3TUIDR0R90C10100556382 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 642 | 638 | 642 | 674 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 28.24 | 44.84 | 20466.88 |  |  |  | 20466.88 | Employed |  |  |  | 7.8 |  |  |  | NA |  | 9177.37 | No | 13.81 | 79793.37 | XXXX | XXXX | 62.49 | 62.49 | 62.49 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 4.5 | 4.5 | 5066.35 | 5066.35 | 0 | 5779.56 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 | 0 |  |  |  |  |  |  |  |  | 4.5 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 2 | 42738 | 458 | 12 | 0.9244673287804037 | 4 | No |  |  | 29526.94 | 4.635 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 63075 |  | XXXX | 549300MQDQ3TUIDR0R90C20200624346 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 743 | 758 | 705 | 743 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 21903.72 | Yes | 8 | 27212.17 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 4.625 | 4.625 | 2988.44 | 2988.44 | 572.24 | 3560.68 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 4 |  | 0 |  |  | 5.7 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 62739 |  | XXXX | 549300MQDQ3TUIDR0R90C10100594988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 681 | 681 | 681 | 660 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 21.48 | 28.1 | 24000 |  |  |  | 24000 | Employed |  |  |  | 40.08 |  |  |  | NA | 17256.75 | 6743.25 | Yes | 115 | 440747.83 | XXXX | XXXX | 48.65 | 48.65 | 48.65 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 3.875 | 3.875 | 2906.25 | 4232.13 | 924.2 | 3830.45 | XX/XX/XXXX | Fixed | 360 | 480 | 02-01-2062 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 2 | 60453 | 0 | 4 | 0.6417948717948718 | 25 | No |  |  | 26877.99 | 3.902 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 63074 |  | XXXX | 549300MQDQ3TUIDR0R90C10100620596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 693 | 696 | 689 | 693 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 3634.21 | Yes | 223.61 | 770947.64 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5 | 5 | 2104.34 | 2104.34 | 870.87 | 3447.8 | XX/XX/XXXX | Fixed | 360 | 360 | 02-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 24 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 298 |  |  | 0.58 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63980 |  | XXXX | 549300MQDQ3TUIDR0R90C10100601002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 674 | 678 | 674 | 638 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 6498.19 | Yes | 57 | 147991.86 | XXXX | XXXX | 64.08 | 64.08 | 64.08 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.99 | 5.99 | 1976.4 | 1976.4 | 620.79 | 2597.19 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 147991.86 |  | 1 |  | 0 |  |  | 7 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63986 |  | XXXX | 549300MQDQ3TUIDR0R90C10100693637 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 687 | 687 | 727 | 670 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  | Not Employed |  |  |  |  |  |  |  | NA |  | 5122.75 | No | 40 | 57055.84 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.625 | 5.625 | 1057.77 | 1057.77 |  | 1414.67 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 | 0 |  |  |  |  |  |  |  |  | 5.625 |  |  |  |  |  |  | No | 0 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 1 |  | 0 |  |  | 2 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63997 |  | XXXX | 549300MQDQ3TUIDR0R90C10100720312 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 687 | 693 | 674 | 687 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 22.46 | 43.45 | 20000 |  |  |  | 20000 | Employed |  |  |  | 4.1 |  |  |  | NA |  | 8690.04 | Yes | 10 | 30090.38 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7 | 3775.26 | 3775.26 | 596.51 | 4491.77 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 | 0 |  |  |  |  |  |  |  |  | 7 |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 191727 | 223 | 6 | 0.26102372034956306 | 2 | No |  |  | 16568.23 | 7.234 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 64004 |  | XXXX | 549300MQDQ3TUIDR0R90C10100748830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 780 | 780 | 763 | 810 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 4954.66 | No | 8.17 | 53836.37 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6 | 6 | 3357.48 | 3357.48 |  | 4259.66 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 12 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 4 |  | 183 |  |  | 6.08 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63984 |  | XXXX | 549300MQDQ3TUIDR0R90C10100665798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 787 | 781 | 787 | 807 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 8639.39 | Yes | 120 | 333224.86 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.125 | 5.125 | 1964.58 | 1964.58 | 668.81 | 2633.39 | XX/XX/XXXX | Fixed | 360 | 480 | 04-01-2062 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 180 |  |  | 0.33 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63987 |  | XXXX | 549300MQDQ3TUIDR0R90C10100693928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 761 | 761 | 798 | 751 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 1536 | Yes | 167 | 638226.25 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.25 | 5.25 | 2861.25 | 2861.25 | 293.83 | 3824.51 | XX/XX/XXXX | Fixed | 360 | 480 | 04-01-2062 | 0 |  |  |  |  |  |  |  |  | 5.25 |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 638226.25 |  | 3 |  | 0 |  |  | 15 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63991 |  | XXXX | 549300MQDQ3TUIDR0R90C10100706926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 761 | 761 | 798 | 751 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 2537.42 | Yes | 527 | 1704631.7 | XXXX | XXXX | 59.92 | 59.92 | 59.92 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.125 | 5.125 | 2541.15 | 2541.15 | 692.84 | 3233.99 | XX/XX/XXXX | Fixed | 360 | 480 | 04-01-2062 | 0 |  |  |  |  |  |  |  |  | 5.125 |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 0 |  |  | 15 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63992 |  | XXXX | 549300MQDQ3TUIDR0R90C10100707023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien | Yes | true | XXXX | 742 | 736 | 742 | 751 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 35.87 | 36.34 | 12705 |  |  |  | 12705 | Employed |  |  |  | 5.5 |  |  |  | NA |  | 4617.55 | Yes | 25 | 114432.75 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.5 | 5.5 | 3505.01 | 3505.01 | 963.54 | 4557.55 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 | 0 |  |  |  |  |  |  |  |  | 5.5 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | Yes | XXXX | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 10000 | 52 | 4 | 0.10451977401129943 | 2.5 | No |  |  | 18151.71 | 5.640 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 64003 |  | XXXX | 549300MQDQ3TUIDR0R90C10100742622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 781 | 787 | 757 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | 02-23-2022 | 762 | 790 | 762 | 755 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 3108 | Yes | 104 | 226572.03 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.5 | 5.5 | 1778.33 | 1778.33 | 406.2 | 2184.5 | XX/XX/XXXX | Fixed | 360 | 480 | 04-01-2062 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 |  | 3 |  | 282 |  |  | 0.33 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63982 |  | XXXX | 549300MQDQ3TUIDR0R90C10100620887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 689 | 730 | 677 | 689 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 17.17 | 28.03 | 40436 |  |  |  | 40436 | Employed |  |  |  | 5.92 |  |  |  | NA |  | 11335.83 | Yes | 8.33 | 57855.63 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.75 | 5.75 | 5719.01 | 5719.01 | 1223.83 | 6942.85 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 2 | 54000 | 390 | 9 | 0.29491148906629644 | 0.5 | No |  |  | 29234.53 | 5.765 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 63995 |  | XXXX | 549300MQDQ3TUIDR0R90C10100708866 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 797 | 754 | 837 | 797 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | MI | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 4292.59 | Yes | 212.85 | 366544.14 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.375 | 5.375 | 1160.1 | 1160.1 | 528.96 | 1722.06 | XX/XX/XXXX | Fixed | 240 | 360 | 04-01-2052 | 0 |  |  |  |  |  |  |  |  | 5.375 |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 36 | 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 4 |  | 0 |  |  | 6 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63999 |  | XXXX | 549300MQDQ3TUIDR0R90C10100726811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 801 | 804 | 798 | 801 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 1386 | No | 89 | 410728.82 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.5 | 5.5 | 3061.67 | 3061.67 |  | 3990.38 | XX/XX/XXXX | Fixed | 240 | 360 | 04-01-2052 | 0 |  |  |  |  |  |  |  |  | 5.5 |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 0 |  |  | 12 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63998 |  | XXXX | 549300MQDQ3TUIDR0R90C10100725453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 676 | 686 | 676 | 674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 01-25-2022 | 676 | 714 | 660 | 676 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 26.24 | 36.5 | 10945 | 9326 |  |  | 20271 | Employed | Employed |  |  | 33.08 | 24.58 |  |  | 2 YRS |  | 7399.62 | Yes | 140.65 | 748109.46 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.5 | 5.5 | 3895.03 | 3895.03 | 1770.61 | 5318.77 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 37608 | 387 | 9 | 0.30505263157894735 | 17 | No |  |  | 20132.55 | 5.668 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 64000 |  | XXXX | 549300MQDQ3TUIDR0R90C10100730788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 742 | 742 | 742 | 733 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 27.47 | 34.72 | 16000 |  |  |  | 16000 | Employed |  |  |  | 4.08 |  |  |  | NA |  | 5555.42 | Yes | 39 | 179730.9 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.5 | 5.5 | 3497.58 | 3497.58 | 897.84 | 4395.42 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 | 0 |  |  |  |  |  |  |  |  | 5.5 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 62353 | 36 | 3 | 0.08125 | 0.08 | No |  |  | 17863.18 | 5.782 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 63978 |  | XXXX | 549300MQDQ3TUIDR0R90C10100569574 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 764 | 704 | 793 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | 03-07-2022 | 726 | 712 | 733 | 726 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 2934.2 | Yes | 120 | 140626.59 | XXXX | XXXX | 72.61 | 72.61 | 72.61 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.75 | 5.75 | 974.57 | 974.57 | 1087.2 | 1089.86 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 128035.74 |  | 3 |  | 319 |  |  | 18 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63993 |  | XXXX | 549300MQDQ3TUIDR0R90C10100708478 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 797 | 764 | 837 | 797 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | MI | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 8078.76 | No | 918 | 1369480.1 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.375 | 5.375 | 1128.75 | 1128.75 |  | 1492.08 | XX/XX/XXXX | Fixed | 240 | 360 | 04-01-2052 | 0 |  |  |  |  |  |  |  |  | 5.375 |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 36 | 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 445 |  |  | 6 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63976 |  | XXXX | 549300MQDQ3TUIDR0R90C10100560068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 814 | 814 | 818 | 809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | 02-28-2022 | 814 | 814 | 808 | 816 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 502 | Yes | 52.25 | 123736.18 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.99 | 5.99 | 1722.13 | 1722.13 | 2363.37 | 2368.37 | XX/XX/XXXX | Fixed | 360 | 480 | 04-01-2062 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 123736.18 |  | 7 |  | 506 |  |  | 5 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63977 |  | XXXX | 549300MQDQ3TUIDR0R90C10100560359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 814 | 814 | 818 | 809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | 02-28-2022 | 808 | 808 | 808 | 816 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 6749 | Yes | 53 | 134819.24 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.99 | 5.99 | 1797 | 1797 | 2532.58 | 2554.59 | XX/XX/XXXX | Fixed | 360 | 480 | 04-01-2062 | 0 |  |  |  |  |  |  |  |  | 5.99 |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | Yes | XXXX | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 134819.24 |  | 7 |  | 506 |  |  | 5 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 64007 |  | XXXX | 549300MQDQ3TUIDR0R90C40100645475 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 759 | 785 | 759 | 747 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 2257.28 | Yes | 132 | 142687.85 | XXXX | XXXX | 44.91 | 44.91 | 44.91 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.99 | 5.99 | 898.36 | 898.36 | 179.92 | 1078.28 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 | 0 |  |  |  |  |  |  |  |  | 5.99 |  |  |  |  |  |  | No | 0 | No | No |  | Y | 36 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 384 |  |  | 3.1 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63979 |  | XXXX | 549300MQDQ3TUIDR0R90C10100578304 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 764 | 704 | 793 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false |  | 726 | 712 | 733 | 726 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | 0 | 2661.86 | Yes | 44 | 43021.62 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.625 | 5.625 | 846.21 | 846.21 | 980.58 | 980.58 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 41774.35 |  | 3 |  | 317 |  |  | 18 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 64274 |  | XXXX | 549300MQDQ3TUIDR0R90C10100746890 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 740 | 760 | 740 | 737 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 24.47 | 47.06 | 18079 |  |  |  | 18079 | Employed |  |  |  | 15.58 |  |  |  | NA |  | 8507.76 | Yes | 32 | 136157.03 | XXXX | XXXX | 63.64 | 59.93 | 59.93 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.5 | 5.5 | 3974.52 | 3974.52 | 339.24 | 4423.76 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 | 0 |  |  |  |  |  |  |  |  | 5.5 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 161122 | 207 | 12 | 0.19765540871267742 | 5.5 | No |  |  | 20679.26 | 5.623 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 64273 |  | XXXX | 5493008E4KBJCB6UKR649010096376 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Resident Alien | No | false | XXXX | 715 | 715 | 722 | 693 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 88 | Yes | 35 | 49057.12 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.875 | 5.875 | 1301.38 | 1301.38 | 92.89 | 1394.27 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 291 |  |  | 6.2 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63981 |  | XXXX | 549300MQDQ3TUIDR0R90C10100608180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 673 | 673 | 684 | 669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | 02-10-2022 | 798 | 691 | 798 | 798 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 29 | 37.4 | 6623 |  |  |  | 6623 | Employed | Not Employed |  |  | 3.16 |  |  |  | NA |  | 2477.33 | Yes | 44 | 85331.71 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6 | 6 | 1486.89 | 1486.89 | 370.69 | 1920.58 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 | 0 |  |  |  |  |  |  |  |  | 6 |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 15000 | 322 | 7 | 0.06560622914349278 | 0.6 | No |  |  | 7177.87 | 6.308 | Yes | No | XXXXX | XXXX |
| XXXX | XXXX | 63975 |  | XXXX | 549300MQDQ3TUIDR0R90C10100558807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 814 | 814 | 818 | 809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | 03-11-2022 | 814 | 814 | 808 | 816 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 11024.75 | Yes | 55.68 | 136240.37 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.99 | 5.99 | 1871.88 | 1871.88 | 2447.05 | 2447.04 | XX/XX/XXXX | Fixed | 360 | 480 | 04-01-2062 | 0 |  |  |  |  |  |  |  |  | 5.99 |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 136240.37 |  | 6 |  | 507 |  |  | 5 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63973 |  | XXXX | 459300MQDQ3TUIDR0R0C10100556576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 791 | 791 | 777 | 792 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 0 | Yes | 41 | 98257.22 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.99 | 5.99 | 1797 | 1797 | 2419.92 | 2419.92 | XX/XX/XXXX | Fixed | 360 | 480 | 04-01-2062 | 0 |  |  |  |  |  |  |  |  | 5.99 |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 98257.22 |  | 5 |  | 178 |  |  | 5 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 63974 |  | XXXX | 549300MQDQ3TUIDR0R90C10100556964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 791 | 791 | 777 | 792 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 32 | Yes | 46.3 | 113765.77 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.99 | 5.99 | 1871.88 | 1871.88 | 2456.99 | 2456.99 | XX/XX/XXXX | Fixed | 240 | 360 | 04-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 113765.77 |  | 5 |  | 178 |  |  | 5 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 64001 |  | XXXX | 549300MQDQ3TUIDR0R90C10100732631 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 781 | 801 | 777 | 781 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 2737.08 | No | 203 | 652204.75 | XXXX | XXXX | 67.12 | 67.11 | 67.11 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.5 | 5.5 | 2291.67 | 2291.67 |  | 3217.38 | XX/XX/XXXX | Fixed | 360 | 480 | 04-01-2062 | 0 |  |  |  |  |  |  |  |  | 5.5 |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  | 0 | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 203 |  |  | 5 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 64277 |  | XXXX | 549300MQDQ3TUIDR0R90C10100767357 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 775 | 775 | 730 | 791 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 1225 | Yes | 15 | 47312.24 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.5 | 5.5 | 2816.23 | 2816.23 | 379.51 | 3221.74 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 3 |  | 253 |  |  | .91 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 64275 |  | XXXX | 549300mqdq3tuidr0r90c10100750188 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 794 | 794 | 716 | 794 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 8502.46 | No | 32 | 122162.64 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.875 | 5.875 | 3528.52 | 5111.62 |  | 4532.21 | XX/XX/XXXX | Fixed | 240 | 360 | 04-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 294 |  |  | 2 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 64283 |  | XXXX | 549300MQDQ3TUIDR0R90C40100769053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 799 | 796 | 799 | 807 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  | 2220 | Yes | 99.72 | 92602.9 | XXXX | XXXX | 36.14 | 36.14 | 36.14 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.875 | 5.875 | 734.38 | 734.38 | 194.26 | 928.64 | XX/XX/XXXX | Fixed | 360 | 480 | 04-01-2062 | 0 |  |  |  |  |  |  |  |  | 5.875 |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 60 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 92602.9 |  | 2 |  | 442 |  |  | 19.08 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 65403 |  | XXXX | 549300MQDQ3TUIDR0R90C10100724871 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 768 | 750 | 793 | 768 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 42.57 | 44.73 | 18063.34 |  |  |  | 18063.34 | Employed |  |  |  | 12.58 |  |  |  | NA | 9982.82 | 8080.52 | Yes | 72 | 553327.98 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6 | 6 | 6954.79 | 6954.79 | 734.73 | 7689.52 | XX/XX/XXXX | Fixed | 360 | 360 | 05-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 2 | 27900 | 348 | 10 | 0.13133532972694487 | 30 | No |  |  | 34594.85 | 6.015 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 65402 |  | XXXX | 549300t7tLOJ8X68T43220001901528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 704 | 696 | 704 | 727 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | 0 | 104 | Yes | 84 | 490202.41 | XXXX | XXXX | 64.78 | 64.78 | 64.78 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.125 | 6.125 | 4526.7 | 4526.7 |  | 5835.4 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 6 Months Interest | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 |  | 2 |  | 547 |  |  | 21.17 | No |  |  |  |  |  |  | XXXXX | XXXX |
| XXXX | XXXX | 50183 |  | XXXX | NotPresentNotPresentNot | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 716 | 720 | 0 | 716 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 35.56 | 43.48 | 39686.93 |  |  |  | 39686.93 | Employed |  |  |  | 20 |  |  |  | NA | 23741.98 | 17253.95 | Partial | 11 | 132280.21 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | ARM | XXXX | 4.75 | 4.75 | 9614.79 | 11313.26 | 2780.94 | 12415.48 | XX/XX/XXXX | ARM | 360 | 480 | 07-01-2061 | 3.5 | Nearest | 0.125 | 45 Days | SOFR 30 Day Average | 0.05 | 2 | 1 | 3.5 | 3.5 | 6.75 | 9.75 | 07-01-2026 | 08-01-2026 | 6 | 6 | Yes | 120 | No | No |  | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | 0 | XXXX |  |  |  | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 |  | 1 | 40560 | 382 | 9 | 1.2346712018140589 | 2.75 | No |  |  | 71627.38 | 3.935 | No | No | XXXXX | XXXX |
| XXXX | XXXX | 63996 |  | XXXX | 549300MQDQ3TUIDR0R90C10100719148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 734 | 755 | 722 | 734 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 49.55 | 49.82 | 7400 |  |  |  | 7400 | Employed |  |  |  | 6.10 |  |  |  | NA |  | 3686.95 | Taxes and Insurance | 4.74 | 17371.54 | XXXX | XXXX | 63.29 | 63.29 | 63.29 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 5.75 | 5.75 | 2917.86 | 2917.86 | 749.09 | 3666.95 | XX/XX/XXXX | Fixed | 360 | 360 | 04-01-2052 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | false | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | 0 | XXXX |  |  | 0 | No | XXXX |  | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 17371.54 |  | 1 | 17400 | 220 | 8 | 0.0007936507936507937 | 15 | No |  |  | 14570.6 | 5.985 | Yes | No | XXXXX | XXXX |

---

## Exhibit 99.36

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.36**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **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 Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Co Borrower 2 Citizenship Indicator** | **Co Borrower 3 Citizenship Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower 2 Country Name** | **Co Borrower 3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **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** | **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** | **QM Regulation Failures** | **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** | **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** | **Originator DSCR** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **CPA Letter Flag** | **# of Months CPA verified income** | **WVOE Flag** | **# of Months WVOE** | **Right to Cancel Form Type** | **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** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** |
| 56306 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6875 | $9970.47 | XXXX | 4.756% | $1460.16 | 4.625% | No |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $2514.13 | 1 | $4437.48 | $875.04 | XXXX |  | $0.00 |  |  | 47.97% | 47.62% | 47.62% | XXXX | XXXX |  |  |  | 690 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - Written VOE Verified | Borrower | Written Verification of Employment |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6875 |  | 2.910% |  | 1 | Manual Underwriting | No | Manual Underwriting Eligible | No | 4.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0 | 0.000 |  |  | No | NA |  | Yes | 32 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56309 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6020.63 | XXXX |  | $694.67 | 3.750% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $4575.24 | $759.12 | XXXX |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 735 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.44 | 1.440 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57700 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $11835.00 | XXXX |  | $1394.05 | 4.000% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $1466.40 | $896.16 | XXXX |  | $66.00 |  | Monthly | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 712 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  | 100.00% |  |  | Borrower - SECorporation | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $600.00 |  | Manual Underwriting | No | Manual Underwriting | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1 | 1.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56311 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 17132.5 | $21090.04 | XXXX | 4.657% | $4862.31 | 4.625% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9782.16 | $1588.80 | XXXX |  | $25.00 |  | Monthly | 16.24% | 14.74% | 14.74% | XXXX | XXXX |  |  |  | 790 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership - 24 Months Business Bank Statements Verified - 2 | Borrower - 2 | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 17132.5 |  | 2.930% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  |  | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56313 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $7704.38 | XXXX |  | $1138.92 | 5.250% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $1987.20 | $501.00 | XXXX |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 744 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1 | 1.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56301 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 20795 | $20809.00 | XXXX | 4.052% | $4678.67 | 4.000% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $18926.88 | $1429.44 | XXXX |  | $0.00 |  | Monthly | 31.66% | 32.02% | 31.67% | XXXX | XXXX |  |  |  | 709 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified - 8 | Borrower - 8 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 20795 |  | 2.920% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  |  | No | Yes | 12 | Yes | 96 | H9 (Same Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56307 | XXXX |  | ATR/QM: Exempt | XXXX | Yes | No |  | $4273.00 | XXXX | 3.820% | $694.67 | 3.750% | Yes |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $3106.92 | $1200.00 | XXXX |  | $276.00 |  | Monthly | 29.24% | 29.32% | 29.32% | XXXX | XXXX |  |  |  | 729 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 2 | Business | 100.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower | 2YR Business P&L |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6996.87 |  | 2.920% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 24 |  | 1.17 | 0.000 |  |  | No | Yes | 48 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57696 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $11254.06 | XXXX |  | $2345.80 | 5.625% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $8736.84 | $1025.04 | XXXX |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 0 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.71 | 0.950 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57407 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $12960.00 | XXXX |  | $2476.69 | 4.875% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $4396.80 | $1195.80 | XXXX |  | $696.67 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 751 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0.820 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57699 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No |  | $5862.83 | XXXX | 5.188% | $914.74 | 5.125% | Yes |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $4837.80 | $1247.04 | XXXX |  | $925.00 |  | Monthly | 33.07% | 31.89% | 33.31% | XXXX | XXXX |  |  |  | 0 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 1 | Personal | 0.00% | 0.00% |  |  | Borrower - Other - Personal Bank Statements Verified | Borrower | Asset Utilization (No DTI) |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5815 |  | 2.910% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.125% | 0 | 0 | 0 | 0 | 0 | 0 | 1 |  |  |  | 0 | 0.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56316 | XXXX |  | ATR/QM: Exempt | XXXX | Yes | No |  | $14597.08 | XXXX |  | $5719.48 | 3.750% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 2 | $11618.16 | $1247.16 | XXXX |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 800 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.97 | 1.050 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57413 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 9010 | $12433.86 | XXXX | 4.341% | $2105.50 | 4.250% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $10959.92 | 1 | $6875.04 | $756.00 | XXXX |  | $284.00 |  | Monthly | 47.33% | 46.36% | 46.36% | XXXX | XXXX |  |  |  | 708 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 65.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 24 Months Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 9010 |  | 2.910% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  |  | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56318 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No |  | $8406.23 | XXXX | 4.103% | $1795.08 | 4.000% | Yes |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $77754.88 | 1 | $5874.96 | $1388.04 | XXXX |  | $0.00 |  | Monthly | 9.58% | 9.58% | 9.58% | XXXX | XXXX |  |  |  | 733 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Other - 12 Business Bank Statements Verified - 1 | Borrower - 1 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7775 |  | 2.910% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56327 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13525 | $17041.81 | XXXX | 4.173% | $3983.82 | 4.125% | No | Yes | Employed | Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $13125.00 | $829.44 | XXXX |  | $0.00 |  | Monthly | 28.83% | 28.15% | 28.15% | XXXX | XXXX | XXXX |  |  | 767 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - Written VOE Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified | Borrower - 2 YRS IRS Transcripts Verified \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 13525 |  | 2.930% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.125% | 0 | 1 | 0 | 0 | 0 | 2 |  |  |  |  | 0 | 0.000 |  |  | No | NA |  | Yes | 36 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57753 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 24110 | $25116.50 | XXXX | 5.529% | $8332.37 | 5.375% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $23250.00 | $4206.00 | XXXX |  | $0.00 |  |  | 51.50% | 50.30% | 50.30% | XXXX | XXXX |  |  |  | 672 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, null YTD Profit And Loss Verified, Balance Sheet Verified, 24 Months Personal Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 24110 |  | 2.910% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  |  |  | 0 | 0.000 |  |  | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56303 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 26935 | $27299.00 | XXXX | 3.764% | $4334.76 | 3.750% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $15077.64 | $3372.12 | XXXX |  | $0.00 |  | Monthly | 46.64% | 46.67% | 46.67% | XXXX | XXXX |  |  |  | 735 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 24 | Personal,Business | 0.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SECorporation, SESoleProprietor - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, 12 Business Bank Statements Verified - 1 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified - 1 | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 26935 |  | 2.910% |  | 2.6 | Manual Underwriting | No | Manual Underwriting Eligible | No | 3.750% | 0 | 0 | 1 | 0 | 0 | 2 | 12 | 12 | 6 |  | 0 | 0.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56321 | XXXX |  | ATR/QM: Exempt | XXXX | Yes | No |  | $10799.00 | XXXX | 5.641% | $4374.99 | 5.625% | Yes | Yes | Employed | Employed | Employed |  |  |  | XXXX | XXXX | XXXX |  | XXXX | United States | United States |  |  | 4 | $11874.96 | $990.00 | XXXX |  | $0.00 |  | Monthly | 45.78% | 45.81% | 45.81% | XXXX | XXXX | XXXX | XXXX |  | 716 | 734 | 729 | 720 |  |  |  | XXXX |  |  |  |  |  |  | 729 |  | 4 - Verified 2+ Mos |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower 2 - Wage - 2 YRS 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 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower 2 - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 25895 |  | 2.910% |  |  | Manual Underwriting | No | Manual Underwriting Eligible | No | 5.625% | 2 | 2 | 2 | 0 | 2 | 2 |  |  |  |  | 0.88 | 0.000 |  |  | No | NA |  | Yes | 12 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56323 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12332.5 | $14024.69 | XXXX | 3.902% | $2292.42 | 3.750% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $6875.04 | $873.00 | XXXX |  | $0.00 |  | Monthly | 3.93% | 3.83% | 3.83% | XXXX | XXXX |  |  |  | 768 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 49 | Personal,Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, Balance Sheet Verified, 6 Personal Bank Statements Verified, Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 12332.5 |  | 2.910% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 | 25 | 24 |  |  | 0 | 0.000 |  |  | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56304 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 9790 | $12462.22 | XXXX | 4.760% | $4113.12 | 4.625% | No |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 2 | $13749.96 | $1106.04 | XXXX |  | $0.00 |  | Monthly | 44.61% | 44.62% | 44.62% | XXXX | XXXX |  |  |  | 783 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 2 | Personal | 0.00% | 0.00% |  |  | Borrower - Wage, Primary Residence Rent Income - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified - 3 | Borrower - 3 | Written Verification of Employment |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 9790 |  | 2.930% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.625% | 0 | 0 | 0 | 0 | 0 | 0 | 2 |  |  |  | 0.39 | 0.000 |  |  | No | Yes | 24 | Yes | 24 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56305 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $16775.38 | XXXX |  | $2886.46 | 4.250% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 2 | $13749.96 | $802.32 | XXXX |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 770 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.11 | 1.110 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57418 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $5026.50 | XXXX |  | $925.45 | 4.625% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $1065.72 | $2212.20 | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 785 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.79 | 0.790 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57422 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $22772.75 | XXXX |  | $2905.48 | 4.125% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 3 | $7801.32 | $1270.08 | XXXX |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 735 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.34 | 1.340 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57423 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $10363.11 | XXXX |  | $1824.24 | 3.500% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 4 | $7812.48 | $1921.20 | XXXX |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 727 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.48 | 1.480 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57731 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $2840.07 | XXXX |  | $1399.77 | 3.750% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $4274.04 | $797.04 | XXXX |  | $800.00 |  | Monthly | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 764 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.48 | 1.070 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57425 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11695 | $0.00 | XXXX | 4.125% | $3392.55 | 4.125% | No | No | Employed | Self-Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $10937.52 | $879.84 | XXXX |  | $0.00 |  | Monthly | 2.66% | 2.66% | 2.66% | XXXX | XXXX | XXXX |  |  | 717 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 6 | Personal | 96.24% | 1.00% | 100.00% | Third-Party Prepared (Unaudited) | Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified - 2 \|\| Co Borrower - SESoleProprietor - YTD Profit And Loss Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2 | Borrower - 1 YR IRS Transcripts Verified - 2 \|\| Co Borrower - 2 | 2YR Business P&L |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11695 |  | 3.100% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.125% | 2 | 0 | 0 | 0 | 0 | 1 | 4 | 2 | 24 | N/A | 0 | 0.000 |  |  | No | NA |  | Yes | 34 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57426 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 14965 | $0.00 | XXXX | 4.375% | $4583.44 | 4.375% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $27822.34 | 1 | $9441.00 | $1567.68 | XXXX |  | $0.00 |  | Monthly | 15.26% | 14.56% | 14.56% | XXXX | XXXX |  |  |  | 786 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 12 | Personal | 0.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, Personal Bank Statements Verified - 1 | Borrower - 1 | 2YR Business P&L |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 14965 |  | 3.100% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 60 | N/A | 0 | 0.000 |  | N/A | No | Yes | 60 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57716 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $54164.70 | XXXX |  | $4149.06 | 4.250% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $26705.40 | $4410.96 | XXXX |  | $75.00 |  | Monthly | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 0 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.81 | 0.810 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57747 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7090 | $0.00 | XXXX | 3.125% | $4626.45 | 3.125% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $25954.28 | 1 | $22500.00 | $3175.80 | XXXX |  | $0.00 |  | Monthly | 25.04% | 25.05% | 25.05% | XXXX | XXXX |  |  |  | 792 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor - Balance Sheet Verified, 24 Months Personal Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7090 |  | 3.140% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.125% | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  |  | N/A | 0 | 0.000 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57694 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5260 | $5665.20 | XXXX | 4.465% | $833.84 | 4.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $961.32 | $1029.96 | XXXX |  | $0.00 |  | Monthly | 48.59% | 47.82% | 47.82% | XXXX | XXXX | XXXX |  |  | 708 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 |  | 0.00% | 100.00% | 100.00% | Borrower Prepared | Borrower - SESoleProprietor - YTD Profit And Loss Verified \|\| Co Borrower - SESoleProprietor - YTD Profit And Loss Verified, 24 Months Personal Bank Statements Verified | Borrower \|\| Co Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5260 |  | 3.140% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  | 12 |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57726 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4455 | $0.00 | XXXX | 3.250% | $1418.77 | 3.250% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $3829.80 | $681.00 | XXXX |  | $260.00 |  | Monthly | 40.96% | 39.84% | 39.84% | XXXX | XXXX |  |  |  | 780 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Balance Sheet Verified, 24 Months Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 4455 |  | 3.040% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  | N/A | 0 | 0.000 |  |  | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57728 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $3909.75 | XXXX |  | $1389.35 | 3.750% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $2281.20 | $597.00 | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 751 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.23 | 1.230 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57733 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 16870 | $21070.21 | XXXX | 4.545% | $2804.06 | 4.250% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9500.04 | $725.40 | XXXX |  | $0.00 |  | Monthly | 38.68% | 38.68% | 38.68% | XXXX | XXXX |  |  |  | 773 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | 1YR Business P&L |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 16870 |  | 3.140% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 117249 | N/A | 0 | 0.000 |  |  | No | Yes | 24 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57738 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7025 | $0.00 | XXXX | 4.981% | $3085.28 | 4.875% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $3758.12 | 1 | $10599.96 | $1169.16 | XXXX |  | $0.00 |  | Monthly | 34.27% | 34.28% | 34.28% | XXXX | XXXX |  |  |  | 622 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 12 | Personal | 91.59% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SESoleProprietor, Other - CPA Letter Verified, YTD Profit And Loss Verified, 12 Personal Bank Statements Verified, Lease Agreements Verified | Borrower | 1YR Business P&L |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7025 |  | 3.140% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 12 |  | 0 | 0.000 |  | N/A | No | Yes | 60 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57740 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No |  | $15520.11 | XXXX | 5.142% | $5219.09 | 5.000% | Yes | Yes | Self-Employed | Not Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $17361.12 | $2202.00 | XXXX |  | $93.00 |  | Monthly | 11.74% | 10.63% | 10.63% | XXXX | XXXX | XXXX |  |  | 629 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11417 |  | 3.200% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  |  | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57748 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 9932 | $15708.66 | XXXX | 5.258% | $4483.85 | 5.125% | No | No | Employed | Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $11437.44 | $1942.20 | XXXX |  | $0.00 |  | Monthly | 47.01% | 47.02% | 47.02% | XXXX | XXXX | XXXX |  |  | 665 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 9932 |  | 3.200% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.125% | 2 | 2 | 0 | 0 | 2 | 2 |  |  |  |  | 0 | 0.000 |  |  | No | NA |  | Yes | 34 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57725 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 18940 | $23281.00 | XXXX | 6.340% | $3939.05 | 6.000% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9125.04 | $916.68 | XXXX |  | $0.00 |  | Monthly | 32.34% | 32.52% | 32.52% | XXXX | XXXX |  |  |  | 688 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | 2YR Business P&L |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 18940 |  | 3.140% |  |  | Manual Underwriting | No | Manual Underwriting | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 24 | N/A | 0 | 0.000 |  |  | No | Yes | 36 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57743 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $5518.33 | XXXX |  | $1975.00 | 3.875% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $6593.76 | $693.00 | XXXX |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 782 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.05 | 1.050 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57749 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $1782.28 | XXXX |  | $1603.51 | 3.875% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 2 | $11753.52 | $1674.00 | XXXX |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 726 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.73 | 1.730 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57757 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 25114 | $28599.28 | XXXX | 4.552% | $2825.99 | 4.125% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $8112.48 | $749.28 | XXXX |  | $0.00 |  | Monthly | 30.17% | 29.08% | 29.08% | XXXX | XXXX |  |  |  | 771 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 5 | Personal,Business | 100.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2021 | Borrower - 2021 | 1YR Business P&L |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 25114 |  | 3.200% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 2 | 48 |  | 0 | 0.000 |  | N/A | No | Yes | 48 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57756 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8101.25 | $11461.26 | XXXX | 5.123% | $2226.64 | 4.875% | No | No | Self-Employed | Not Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $8375.04 | $933.96 | XXXX |  | $0.00 |  | Monthly | 8.25% | 8.67% | 8.67% | XXXX | XXXX | XXXX |  |  | 725 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - 12 Business Bank Statements Verified, Lease Agreements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 8101.25 |  | 3.140% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57755 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12972.5 | $17374.94 | XXXX | 6.005% | $3729.03 | 5.750% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9308.16 | $1579.56 | XXXX |  | $0.00 |  | Monthly | 8.08% | 8.09% | 8.09% | XXXX | XXXX |  |  |  | 720 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 12972.5 |  | 3.200% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  |  | No | Yes | 60 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57701 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13697.5 | $15287.50 | XXXX | 4.045% | $3526.78 | 3.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $9375.00 | $2306.28 | XXXX |  |  |  | Monthly | 37.33% | 37.49% | 37.49% | XXXX | XXXX | XXXX |  |  | 676 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% | 100.00% |  | Borrower - Other - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower - Other - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 13697.5 |  | 3.100% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  | N/A | No | Yes | 0 | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57704 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7795 | $0.00 | XXXX | 3.356% | $2338.91 | 3.375% | No |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $3417.72 | $1090.32 | XXXX |  |  |  |  | 35.75% | 35.75% | 35.75% | XXXX | XXXX |  |  |  | 798 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, Written VOE Verified, null Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - null Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7795 |  | 0.000% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.375% | 2 | 0 | 0 | 0 | 0 | 1 |  |  |  |  | 0 | 0.000 |  | N/A | No | Yes | 12 | Yes | 12 | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57734 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $15891.97 | XXXX |  | $3073.93 | 3.750% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $11062.56 | $819.12 | XXXX |  |  |  | Monthly | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 756 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $236.31 |  | Manual Underwriting | No | Manual Underwriting | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.74 | 0.740 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58089 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $19283.52 | XXXX |  | $3683.59 | 5.125% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $14375.04 | $1750.44 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 694 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $19000.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.77 | 0.770 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 57685 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 22195 | $25790.00 | XXXX | 3.056% | $6324.06 | 3.000% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $11786.71 | 1 | $31582.44 | $2608.32 | XXXX |  |  |  |  | 43.87% | 43.87% | 43.87% | XXXX | XXXX | XXXX |  |  | 808 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 40.00% |  |  | Borrower - SESCorp - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 22195 |  | 3.100% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  |  | No | Yes | 0 | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57686 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $15123.54 | XXXX |  | $6840.77 | 3.625% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 2 | $6863.88 | $2010.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 689 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 3.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.58 | 1.580 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -10394 | XXX |
| 57687 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5320 | $5820.00 | XXXX | 4.430% | $726.97 | 4.125% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $1713.00 | $1788.48 | XXXX |  |  |  |  | 26.40% | 26.18% | 26.18% | XXXX | XXXX |  |  |  | 753 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5320 |  | 3.100% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57684 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6561.14 | $6958.80 | XXXX | 3.993% | $1104.53 | 3.750% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $4178.64 | $902.40 | XXXX | CA | $95.00 |  |  | 4.16% | 2.32% | 2.32% | XXXX | XXXX |  |  |  | 719 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6561.14 |  | 3.140% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 57689 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $11809.38 | XXXX |  | $1915.42 | 3.625% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $0.00 | 1 | $6266.16 | $843.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 750 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $3150.00 |  | Manual Underwriting | No | Manual Underwriting | No | 3.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | 1.32 | 1.320 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -906 | XXX |
| 57690 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $11203.59 | XXXX |  | $2587.66 | 3.750% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9312.48 | $386.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 776 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.15 | 1.150 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 57691 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6490.41 | XXXX |  | $590.63 | 3.375% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $7350.96 | $993.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 770 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 2.8 | 2.800 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 57692 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6295 | $8086.67 | XXXX | 5.123% | $2737.79 | 5.000% | No | Yes | Employed | Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $5550.60 | $1317.96 | XXXX |  |  |  |  | 49.68% | 49.64% | 49.64% | XXXX | XXXX | XXXX |  |  | 634 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% | 0.00% |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2021 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2021 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified - 2021 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified - 2021 | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 3 | 1 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6295 |  | 3.200% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.000% | 1 | 1 | 2 | 0 | 1 | 0 |  |  |  | N/A | 0 | 0.000 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58105 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $6431.25 | 5.250% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $0.00 | 1 | $14472.36 | $962.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 747 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | 0.82 | 0.820 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 58121 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11959.55 | $0.00 | XXXX | 6.000% | $2581.56 | 6.000% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $1983.24 | $420.00 | XXXX |  |  |  |  | 21.10% | 22.17% | 22.17% | XXXX | XXXX |  |  |  | 730 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11959.55 |  | 3.140% |  |  | Manual Underwriting | No | Manual Underwriting | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 58123 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 1195 | $4503.59 | XXXX | 5.466% | $2379.88 | 5.375% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $6249.96 | $1099.20 | XXXX |  |  |  |  | 11.69% | 11.69% | 11.69% | XXXX | XXXX |  |  |  | 725 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 2 | Personal | 100.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, Personal Bank Statements Verified | Borrower | Business P&L |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 1195 |  | 3.140% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 0 | 2 |  | 24 |  | 0 | 0.000 |  |  | No | Yes | 24 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58057 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12265 | $150.00 | XXXX | 5.879% | $2182.77 | 5.875% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $5124.96 | $432.00 | XXXX |  |  |  |  | 29.16% | 27.47% | 27.47% | XXXX | XXXX |  |  |  | 695 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 14 | Personal,Business | 100.00% | 100.00% |  | Borrower Prepared | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Personal Bank Statements Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 12265 |  | 3.100% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 12 | 12 |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58079 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 14545 | $0.00 | XXXX | 5.251% | $3685.96 | 5.250% | No |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $11124.96 | $1080.00 | XXXX |  |  |  |  | 38.34% | 37.57% | 37.57% | XXXX | XXXX |  |  |  | 702 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 2 | Personal | 100.00% | 0.00% |  |  | Borrower - Wage - Written VOE Verified, Personal Bank Statements Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 14545 |  | 3.200% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 0 | 2 |  |  | N/A | 0 | 0.000 |  | N/A | No | NA |  | Yes | 24 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58086 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13295 | $18142.78 | XXXX | 3.290% | $5266.00 | 3.250% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $23874.96 | $3652.08 | XXXX |  |  |  |  | 21.66% | 21.66% | 21.66% | XXXX | XXXX |  |  |  | 744 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 24 Months Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 13295 |  | 3.140% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  | N/A | 0 | 0.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58093 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11879.38 | $12669.54 | XXXX | 3.287% | $1859.96 | 3.250% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $3072.60 | $1681.20 | XXXX | FL | $81.83 |  |  | 9.56% | 9.37% | 9.37% | XXXX | XXXX |  |  |  | 801 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, 24 Months Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11879.38 |  | 3.140% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  |  | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 60111 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 10396 | $13147.69 | XXXX | 5.675% | $3909.23 | 5.500% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9562.56 | $1311.96 | XXXX | CA | $39.00 |  |  | 26.01% | 26.02% | 26.02% | XXXX | XXXX |  |  |  | 745 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal,Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Balance Sheet Verified, 12 Personal Bank Statements Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 10396 |  | 3.030% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 |  |  | 0 | 0.000 |  |  | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 61501 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $18684.53 | XXXX |  | $2423.44 | 4.125% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $11874.96 | $717.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 686 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.09 | 1.090 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 58098 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $26608.35 | XXXX |  | $5778.13 | 5.375% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 2 | $21562.56 | $606.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 676 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.78 | 0.780 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 61497 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8270 | $8402.00 | XXXX | 5.047% | $2286.18 | 4.875% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $6999.96 | $1127.16 | XXXX |  |  |  |  | 39.50% | 38.55% | 38.55% | XXXX | XXXX |  |  |  | 741 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - Wage - CPA Letter Verified, YTD Profit And Loss Verified - 2021 | Borrower - 2021 | 1YR Business P&L |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 8270 |  | 3.030% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  | 0 | 0.000 |  |  | No | Yes | 36 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60124 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13285 | $13550.33 | XXXX | 3.348% | $4828.61 | 3.250% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $12441.84 | $953.04 | XXXX |  |  |  |  | 30.72% | 30.73% | 30.73% | XXXX | XXXX |  |  |  | 765 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 26 | Personal,Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, Balance Sheet Verified, Personal Bank Statements Verified, Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 13285 |  | 3.030% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.250% | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 24 |  |  | 0 | 0.000 |  |  | No | Yes | 0 | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60364 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4595 | $6295.63 | XXXX | 3.273% | $1456.48 | 3.125% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $7454.76 | $1656.96 | XXXX |  |  |  |  | 23.60% | 23.54% | 23.54% | XXXX | XXXX |  |  |  | 786 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 24 Months Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 4595 |  | 2.910% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60120 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8751.5 | $8982.39 | XXXX | 5.629% | $4290.50 | 5.500% | No |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $11112.48 | $2195.16 | XXXX |  |  |  |  | 36.17% | 35.31% | 35.31% | XXXX | XXXX |  |  |  | 663 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.00% | 100.00% |  | Audited | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 24 Months Personal Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 8751.5 |  | 3.030% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  | 24 | N/A | 0 | 0.000 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61502 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7775 | $8045.28 | XXXX | 4.117% | $1311.96 | 3.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $6249.96 | $1594.20 | XXXX |  |  |  |  | 33.48% | 32.88% | 32.88% | XXXX | XXXX | XXXX |  |  | 694 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7775 |  | 3.140% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 | 0.000 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60410 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 20795 | $26844.86 | XXXX | 3.468% | $4265.02 | 3.250% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $18750.00 | $2484.96 | XXXX |  |  |  |  | 36.49% | 36.16% | 36.16% | XXXX | XXXX |  |  |  | 772 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 6 | Personal,Business | 0.00% | 100.00% |  | Audited | Borrower - SESoleProprietor, Other - YTD Profit And Loss Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2021 | Borrower - 2021 | 2YR Business P&L |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 20795 |  | 3.030% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.250% | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 2 | 24 |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60144 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4775 | $5452.14 | XXXX | 5.877% | $2322.62 | 5.750% | No | No | Self-Employed | Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $4904.64 | $1041.12 | XXXX |  |  |  |  | 49.94% | 49.95% | 49.95% | XXXX | XXXX | XXXX |  |  | 614 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% |  | 100.00% |  | Borrower - Wage - Balance Sheet Verified, 1 YR W2 1099 Verified - 2020 \|\| Co Borrower - Wage - Balance Sheet Verified, 1 YR W2 1099 Verified, 2 YRS IRS Transcripts Verified | Borrower - 2020 \|\| Co Borrower - 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 4775 |  | 3.030% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.750% | 1 | 1 | 0 | 0 | 0 | 2 |  |  |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60451 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $2019.06 | 5.250% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $4235.88 | $842.16 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 743 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.07 | 1.060 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -167 | XXX |
| 60367 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5249.5 | $5858.53 | XXXX | 3.296% | $1135.19 | 3.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $2920.08 | $1288.68 | XXXX |  |  |  |  | 42.10% | 42.80% | 42.80% | XXXX | XXXX | XXXX |  |  | 795 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% | 100.00% | Third-Party Prepared (Unaudited) \|\| Audited | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 12 Business Bank Statements Verified \|\| Co Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5249.5 |  | 3.100% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 24 |  | 0 | 0.000 |  |  | No | Yes | 36 | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60407 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 15195 | $17149.51 | XXXX | 3.321% | $2998.63 | 3.125% | No | No | Not Employed | Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  | $91415.97 | 1 | $9718.80 | $1554.00 | XXXX |  |  |  |  | 7.98% | 7.58% | 7.58% | XXXX | XXXX | XXXX |  |  | 749 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% | 100.00% |  | Borrower - Other - 24 Months Business Bank Statements Verified \|\| Co Borrower - Other | Borrower \|\| Co Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 15195 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61336 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8310.74 | $11300.74 | XXXX | 5.919% | $3641.49 | 5.750% | No |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9750.00 | $1500.96 | XXXX |  |  |  |  | 13.08% | 12.61% | 12.61% | XXXX | XXXX |  |  |  | 659 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 0.00% |  |  | Borrower - Wage - 1 YR W2 1099 Verified, Written VOE Verified, 12 Personal Bank Statements Verified - 2021 | Borrower - 2021 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 8310.74 |  | 3.200% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.750% | 1 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 | 0.000 |  |  | No | NA |  | Yes | 12 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60398 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4696 | $5349.11 | XXXX | 3.466% | $870.41 | 3.250% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $10159.32 | $459.96 | XXXX | CA | $143.00 |  |  | 12.89% | 13.91% | 13.91% | XXXX | XXXX |  |  |  | 726 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 24 Months Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 4696 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 61240 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 18407.5 | $24262.50 | XXXX | 6.087% | $4586.56 | 6.000% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $10625.04 | $2839.68 | XXXX | CA | $175.00 |  |  | 43.31% | 43.31% | 43.31% | XXXX | XXXX |  |  |  | 697 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  | Audited | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 18407.5 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 24 |  | 0 | 0.000 |  |  | No | Yes | 24 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 61508 | XXXX |  | ATR/QM: Exempt | XXXX | Yes | No |  | $56417.92 | XXXX |  | $14107.11 | 3.875% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $60768.00 | $18972.96 | XXXX | CA | $25.00 |  |  | 43.96% | 43.84% | 43.84% | XXXX | XXXX | XXXX |  |  | 734 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 3 | Personal | 0.00% | 0.00% |  |  | Borrower - Personal Bank Statements Verified \|\| Co Borrower - Personal Bank Statements Verified | Borrower \|\| Co Borrower | Asset Depletion – Debt Ratio Calculation |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  | 3.100% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0 | 3 |  |  |  | 1.34 | 0.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -3494 | XXX |
| 61277 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $1353.52 | 5.625% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $1323.00 | $805.20 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 750 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.01 | 1.010 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -3173 | 0 |
| 61507 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $3832.28 | XXXX |  | $1137.37 | 4.250% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $3546.36 | $767.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 691 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $5780.00 |  | Manual Underwriting | No | Manual Underwriting | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.8 | 0.800 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 61314 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $3287.97 | XXXX |  | $983.61 | 5.250% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $1042.68 | $1218.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 677 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.54 | 1.540 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 62259 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $10033.96 | XXXX |  | $3291.78 | 4.000% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 2 | $4613.52 | $1167.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 732 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.13 | 1.130 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 62272 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $1797.43 | 4.375% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $1666.20 | $776.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 764 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.25 | 1.250 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62255 | XXXX |  | ATR/QM: Exempt | XXXX | Yes | No |  | $17083.61 | XXXX |  | $2558.09 | 3.875% | Yes |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $5292.53 | 3 | $8000.04 | $1016.04 | XXXX |  |  |  |  | 49.09% | 49.09% | 49.09% | XXXX | XXXX |  |  |  | 766 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 22462 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 2 | 0 | 0 | 0 | 3 | 2 |  |  |  | N/A | 0.63 | 0.000 |  |  | No | NA |  | Yes | 35 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61545 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4274.75 | $4949.09 | XXXX | 6.694% | $1570.69 | 6.500% | No |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $2931.96 | $585.72 | XXXX |  |  |  |  | 43.01% | 43.01% | 43.01% | XXXX | XXXX |  |  |  | 608 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 4274.75 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 6.500% | 2 | 0 | 0 | 0 | 3 | 3 |  |  |  |  | 0 | 0.000 |  |  | No | NA |  | Yes | 35 | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61521 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $8917.58 | XXXX |  | $1558.83 | 6.000% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $3036.84 | $633.96 | XXXX | ID | $21.42 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 604 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1 | 1.000 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 61529 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $25468.83 | XXXX |  | $3875.00 | 4.000% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $19374.96 | $934.20 | XXXX | CA | $185.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 761 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.91 | 0.910 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 61531 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $25887.19 | XXXX |  | $3614.06 | 3.375% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 2 | $5777.52 | $1060.80 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 759 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 3.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.66 | 1.660 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -6340 | 0 |
| 61536 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11548.68 | $12443.06 | XXXX | 5.674% | $2250.82 | 5.625% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $20737.65 | 1 | $2859.96 | $2090.40 | XXXX |  |  |  |  | 13.36% | 13.33% | 13.33% | XXXX | XXXX |  |  |  | 666 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership - 24 Months Business Bank Statements Verified | Borrower | 24 Month Bank Statement | 7 | XX/XX/XXXX | XX/XX/XXXX | 9 | 56 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11548.68 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62304 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $4007.99 | XXXX |  | $1298.72 | 4.250% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $2918.64 | $440.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 727 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1 | 1.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61500 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $8237.46 | XXXX |  | $1298.46 | 4.625% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 3 | $8520.72 | $1533.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 680 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.4 | 1.400 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -6931 | 0 |
| 57711 | XXXX |  | ATR/QM: Exempt | XXXX | Yes | No |  | $14501.25 | XXXX |  | $1437.50 | 3.000% | Yes |  | Not Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $134459.98 | 2 | $7150.44 | $2649.00 | XXXX |  |  |  |  | 13.01% | 13.53% | 13.53% | XXXX | XXXX |  |  |  | 791 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 3 | Personal | 100.00% | 100.00% |  |  | Borrower - Other - Personal Bank Statements Verified - 2021 | Borrower - 2021 | Asset Depletion – Debt Ratio Calculation |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.250% | 0 | 0 | 0 | 0 | 0 | 0 | 3 |  |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61515 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6965 | $8668.71 | XXXX | 4.305% | $7145.97 | 4.250% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $13696.68 | $3557.04 | XXXX | CA | $285.00 |  |  | 31.91% | 31.02% | 31.02% | XXXX | XXXX |  |  |  | 733 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - Wage - 24 Months Business Bank Statements Verified - 2021 | Borrower - 2021 | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6965 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 61517 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $4781.25 | 4.500% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $15226.32 | $2022.72 | XXXX | CA | $2930.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 767 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 4.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.6 | 0.600 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 61519 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 9170 | $10017.64 | XXXX | 4.901% | $3025.55 | 4.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $9786.48 | $2526.96 | XXXX | CA | $25.00 |  |  | 26.54% | 26.87% | 26.87% | XXXX | XXXX | XXXX |  |  | 645 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% | 100.00% |  | Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 9170 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.750% | 2 | 2 | 0 | 0 | 2 | 0 |  |  |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 62275 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $3688.95 | XXXX |  | $1061.00 | 4.500% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $3578.76 | $2547.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 656 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.42 | 1.430 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61523 | XXXX |  | ATR/QM: Exempt | XXXX | Yes | No |  | $5186.39 | XXXX |  | $936.66 | 4.375% | Yes |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $1449.84 | $609.96 | XXXX |  |  |  |  | 45.84% | 44.85% | 44.85% | XXXX | XXXX |  |  |  | 733 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.375% | 2 | 0 | 2 | 0 | 2 | 2 |  |  |  | N/A | 0.74 | 0.000 |  |  | No | NA |  | Yes | 24 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -699 | XXX |
| 61542 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11352.5 | $13230.93 | XXXX | 5.694% | $2141.89 | 5.375% | No | No | Self-Employed | Not Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $5625.00 | $1356.12 | XXXX |  |  |  |  | 34.84% | 34.84% | 34.84% | XXXX | XXXX | XXXX |  |  | 676 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11352.5 |  | 3.030% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 | 0.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61527 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 10887 | $15545.67 | XXXX | 5.314% | $3383.90 | 5.250% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $10093.80 | $1683.96 | XXXX | CA | $85.00 |  |  | 27.53% | 27.65% | 27.65% | XXXX | XXXX |  |  |  | 651 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 12 Personal Bank Statements Verified - 2021 | Borrower - 2021 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 10887 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 12 |  | 0 | 0.000 |  |  | No | Yes | 36 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61530 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6388.75 | XXXX |  | $1153.13 | 3.375% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9602.88 | $1029.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 737 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 2.45 | 2.450 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -1049 | XXX |
| 61950 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6795 | $8172.22 | XXXX | 5.758% | $1589.81 | 5.500% | No |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $4374.96 | $597.00 | XXXX | CA | $351.00 |  |  | 40.49% | 40.47% | 40.47% | XXXX | XXXX |  |  |  | 673 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 4 | Personal | 0.00% | 0.00% |  |  | Borrower - Wage - Written VOE Verified, Personal Bank Statements Verified - 2021 | Borrower - 2021 | Written Verification of Employment |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6795 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0 | 4 |  |  |  | 0 | 0.000 |  | N/A | No | NA |  | Yes | 35 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63047 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $13164.70 | XXXX |  | $2158.59 | 5.625% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $4306.68 | $351.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 661 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.08 | 1.080 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63051 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $1950.39 | XXXX |  | $2490.85 | 5.000% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $1778.88 | $653.28 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 711 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.08 | 1.080 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -168 | XXX |
| 61539 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 1195 | $3024.28 | XXXX | 6.013% | $1216.79 | 5.875% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $5038.80 | $830.04 | XXXX |  |  |  |  | 33.07% | 33.22% | 33.22% | XXXX | XXXX |  |  |  | 732 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 26 | Personal,Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - null Personal Tax Returns Verified, 1 Month Personal Bank Statements Verified, 24 Months Business Bank Statements Verified | Borrower - null Personal Tax Returns Verified | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 1195 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.875% | 0 | 0 |  | 0 | 0 | 0 | 2 | 24 |  |  | 0 | 0.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61541 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $3826.03 | XXXX |  | $1590.20 | 4.250% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $1577.16 | $582.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 727 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.38 | 1.380 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62256 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 18915 | $19697.44 | XXXX | 3.610% | $3028.36 | 3.375% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $6371.04 | $1044.96 | XXXX |  |  |  |  | 19.00% | 19.00% | 19.00% | XXXX | XXXX |  |  |  | 719 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - Wage - CPA Letter Verified, 24 Months Business Bank Statements Verified - 2021 | Borrower - 2021 | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 18915 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  | N/A | No | Yes | 0 | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62257 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 14790 | $15565.88 | XXXX | 3.570% | $2873.63 | 3.375% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $10683.12 | $1455.96 | XXXX |  |  |  |  | 16.41% | 16.41% | 16.41% | XXXX | XXXX |  |  |  | 760 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, 24 Months Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 14790 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  | N/A | No | NA |  | Yes | 48 | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61921 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 14126.25 | $14593.21 | XXXX | 3.363% | $4502.21 | 3.250% | No | No | Self-Employed | Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $9541.92 | $1308.12 | XXXX |  |  |  |  | 34.25% | 34.25% | 34.25% | XXXX | XXXX | XXXX |  |  | 746 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% | 0.00% | Third-Party Prepared (Unaudited) | Borrower - Wage - CPA Letter Verified, YTD Profit And Loss Verified, 12 Personal Bank Statements Verified, Lease Agreements Verified - 2021 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 12 Personal Bank Statements Verified, Lease Agreements Verified - 2021 | Borrower - 2021 \|\| Co Borrower - 2021 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 14126.25 |  | 3.030% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.250% | 0 | 1 | 0 | 0 | 0 | 0 | 12 |  | 24 | N/A | 0 | 0.000 |  | N/A | No | Yes | 24 | No | 12 | H9 (Same Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61922 | XXXX |  | ATR/QM: Exempt | XXXX | Yes | No |  | $9174.00 | XXXX |  | $2389.28 | 3.250% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $10498.20 | $787.20 | XXXX |  |  |  |  | 37.65% | 37.65% | 37.65% | XXXX | XXXX | XXXX |  |  | 746 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 6 | Personal,Business | 100.00% | 100.00% | 100.00% | Audited | Borrower - Wage - YTD Profit And Loss Verified, 1 Month Personal Bank Statements Verified, 1 Month Business Bank Statements Verified, Lease Agreements Verified \|\| Co Borrower - Wage - YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Personal Bank Statements Verified, 1 Month Business Bank Statements Verified, Lease Agreements Verified | Borrower \|\| Co Borrower | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.250% | 0 | 2 | 0 | 0 | 0 | 0 | 3 | 3 | 24 |  | 1.21 | 0.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61948 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 16615.24 | $19860.29 | XXXX | 3.202% | $8340.47 | 3.125% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $63056.17 | 1 | $31688.04 | $4247.04 | XXXX | CA | $450.00 |  |  | 36.60% | 36.94% | 36.94% | XXXX | XXXX |  |  |  | 749 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 1 | Business | 100.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Written VOE Verified, 1 Month Business Bank Statements Verified | Borrower | 2YR Business P&L |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 16615.24 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 1 | 24 |  | 0 | 0.000 |  | N/A | No | Yes | 24 | Yes | 84 | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 62306 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 15390 | $15779.58 | XXXX | 4.066% | $3197.61 | 3.875% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $13192.32 | $1398.96 | XXXX |  |  |  |  | 39.35% | 39.12% | 39.12% | XXXX | XXXX |  |  |  | 736 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | Yes | 12 | Business | 0.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified - 2021 | Borrower - 2021 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 15390 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  |  | No | Yes | 0 | No |  | H9 (Same Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62299 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $5579.00 | XXXX |  | $1343.97 | 3.375% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $2290.68 | $831.12 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 770 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 3.370% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.25 | 1.500 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62260 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6647.79 | XXXX |  | $760.41 | 3.375% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $3900.72 | $485.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 791 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 3.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.95 | 1.950 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -1378 | 0 |
| 61935 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5885 | $7900.36 | XXXX | 3.396% | $1004.54 | 3.125% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $3666.72 | $1191.96 | XXXX |  |  |  |  | 37.17% | 37.15% | 37.15% | XXXX | XXXX |  |  |  | 810 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 3 | Business | 100.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, Business Bank Statements Verified | Borrower | 2YR Business P&L |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5885 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 24 |  | 0 | 0.000 |  | N/A | No | Yes | 24 | No |  | H9 (Same Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61968 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 30257.5 | $31266.61 | XXXX | 3.232% | $9959.73 | 3.125% | No | No | Self-Employed | Not Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $66562.56 | $5562.00 | XXXX |  |  |  |  | 47.68% | 47.48% | 47.48% | XXXX | XXXX | XXXX |  |  | 737 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 4 | Personal,Business | 100.00% | 100.00% |  | Audited | Borrower - YTD Profit And Loss Verified, Personal Bank Statements Verified, Business Bank Statements Verified \|\| Co Borrower - YTD Profit And Loss Verified, Personal Bank Statements Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | Business P&L |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 30257.5 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.125% | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 24 |  | 0 | 0.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62262 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12934.5 | $15231.43 | XXXX | 4.799% | $1562.76 | 4.375% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $11769.48 | $1161.00 | XXXX | TX | $100.00 |  |  | 36.95% | 36.95% | 36.95% | XXXX | XXXX |  |  |  | 678 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - Wage - CPA Letter Verified, 24 Months Business Bank Statements Verified - 2021 | Borrower - 2021 | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 12934.5 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.370% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  | N/A | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 62270 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 10295 | $12483.72 | XXXX | 4.076% | $2445.23 | 3.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $8874.96 | $3738.96 | XXXX |  |  |  |  | 14.65% | 14.76% | 14.76% | XXXX | XXXX | XXXX |  |  | 712 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 1 YR Executed 4506T Verified, 12 Business Bank Statements Verified \|\| Co Borrower - CPA Letter Verified, 1 YR Executed 4506T Verified, 12 Business Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified \|\| Co Borrower - 1 YR Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 10295 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A | 0 | 0.000 |  | N/A | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63034 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7240.6 | $7735.06 | XXXX | 3.214% | $2942.94 | 3.125% | No |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $16708.20 | $688.20 | XXXX | CA | $134.00 |  |  | 17.09% | 16.96% | 16.96% | XXXX | XXXX |  |  |  | 803 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.00% | 100.00% |  |  | Borrower - Wage - Balance Sheet Verified, 24 Months Personal Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7240.6 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.125% | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 62282 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 15720 | $16026.07 | XXXX | 4.867% | $2987.15 | 4.625% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $6489.48 | $2678.04 | XXXX | VA | $516.00 |  |  | 30.56% | 30.56% | 30.56% | XXXX | XXXX |  |  |  | 663 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 67.44% | 100.00% |  |  | Borrower - SESCorp - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 15720 |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 61969 | XXXX |  | ATR/QM: Exempt | XXXX | Yes | No |  | $2794.00 | XXXX |  | $3048.16 | 5.250% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $5650.56 | $751.20 | XXXX |  |  |  |  | 37.13% | 37.07% | 37.07% | XXXX | XXXX | XXXX |  |  | 769 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 2 | Business | 84.70% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower \|\| Co Borrower - 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  | 3.160% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.250% | 0 | 2 | 0 | 0 | 0 | 2 |  | 2 |  |  | 0 | 0.000 |  |  | No | NA |  | No |  | G5 (Open End - New Credit) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -1588 | 0 |
| 63080 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $8928.78 | XXXX |  | $3958.87 | 4.625% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $6323.40 | $2070.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 700 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.16 | 1.160 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -731 | 0 |
| 62279 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $11157.57 | XXXX |  | $4608.32 | 3.875% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 4 | $8314.80 | $1607.28 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 707 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 5 |  | 0.00% | 100.00% |  |  | Borrower - Asset Depletion | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 | 5 |  |  |  | 1.37 | 1.380 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62307 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6962.75 | $8596.00 | XXXX | 3.978% | $3243.23 | 3.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX |  |  |  |  | 1 | $11126.88 | $750.00 | XXXX |  |  |  |  | 51.87% | 51.84% | 51.84% | XXXX | XXXX | XXXX |  |  | 767 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 0.00% | 100.00% |  |  | Borrower - 2 YRS Business Tax Returns Verified, Balance Sheet Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 24 Months Business Bank Statements Verified \|\| Co Borrower - 2 YRS Business Tax Returns Verified, Balance Sheet Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 24 Months Business Bank Statements Verified | Borrower - 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6962.75 |  | 3.100% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 2 | 2 | 2 |  | 24 |  | N/A | 0 | 0.000 |  |  | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62716 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $8844.31 | XXXX |  | $2727.38 | 3.875% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9128.88 | $558.24 | XXXX | CA | $125.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 786 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.82 | 0.820 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 63057 | XXXX |  | ATR/QM: Exempt | XXXX | Yes | No |  | $8988.00 | XXXX |  | $1884.87 | 4.500% | Yes |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $1577.40 | $2688.96 | XXXX |  |  |  |  | 17.93% | 18.04% | 18.04% | XXXX | XXXX |  |  |  | 662 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified - 2021 | Borrower - 2021 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  | N/A | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62703 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 4661.31 | $6044.67 | XXXX | 4.272% | $1679.95 | 4.125% | No | No | Self-Employed | Not Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  | $19714.32 | 1 | $8907.72 | $1457.04 | XXXX |  |  |  |  | 20.09% | 19.72% | 19.72% | XXXX | XXXX | XXXX |  |  | 679 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 4661.31 |  | 3.100% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | No | 0 | 0.000 |  | Closed End | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62276 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5097.6 | $6587.35 | XXXX | 3.243% | $1901.99 | 3.125% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $6304.80 | $1224.72 | XXXX |  |  |  |  | 33.73% | 33.73% | 33.73% | XXXX | XXXX |  |  |  | 741 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal,Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Personal Bank Statements Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5097.6 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62308 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 5840 | $6930.00 | XXXX | 4.199% | $1289.02 | 4.000% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $2261.40 | $2046.24 | XXXX |  |  |  |  | 6.05% | 6.06% | 6.06% | XXXX | XXXX |  |  |  | 690 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 5840 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62751 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $11906.00 | XXXX |  | $1635.23 | 5.500% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $4625.04 | $216.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 732 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $96000.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.03 | 1.030 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 62727 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $9328.95 | XXXX |  | $1464.22 | 3.375% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $4832.76 | $703.20 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 810 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 3.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.3 | 1.400 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -1468 | 0 |
| 62309 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13190 | $16168.75 | XXXX | 3.993% | $5360.70 | 3.875% | No | No | Self-Employed | Not Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 4 | $22977.24 | $4524.96 | XXXX |  |  |  |  | 27.43% | 27.43% | 27.43% | XXXX | XXXX | XXXX |  |  | 813 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 24 Months Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 13190 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  | N/A | 0 | 0.000 |  | N/A | No | Yes | 0 | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62750 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $9602.31 | XXXX |  | $1835.61 | 4.125% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $0.00 | 1 | $3629.40 | $983.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 728 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  | 1.3 | Manual Underwriting | No | Manual Underwriting | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | 1.03 | 1.030 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 62740 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $5184.59 | XXXX |  | $1083.14 | 3.375% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $2109.48 | $887.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 794 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.34 | 1.350 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | -7895 | XXX |
| 63346 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7416.25 | $9048.13 | XXXX | 5.303% | $1963.08 | 5.250% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $301.93 | 1 | $2438.04 | $900.96 | XXXX | CA | $276.00 |  |  | 50.88% | 50.95% | 50.95% | XXXX | XXXX |  |  |  | 687 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  | Borrower Prepared | Borrower - SECorporation - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 12 Personal Bank Statements Verified | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7416.25 |  | 3.100% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.250% | 0 | 0 | 2 | 1 | 2 | 2 | 12 |  | 11 |  | 0 | 0.000 |  |  | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 62733 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11425 | $12307.11 | XXXX | 4.984% | $2420.44 | 4.750% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $3112.56 | $1092.00 | XXXX | AZ | $24.00 |  |  | 35.41% | 36.16% | 36.16% | XXXX | XXXX |  |  |  | 689 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, 24 Months Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11425 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  | N/A | No | Yes | 0 | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63355 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $3726.56 | XXXX |  | $1528.09 | 4.875% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $2679.00 | $699.36 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 763 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.19 | 1.190 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 63359 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11789 | $13630.54 | XXXX | 3.977% | $4701.90 | 3.875% | No |  | Not Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $13247.76 | $1919.16 | XXXX | CA | $375.00 |  |  | 41.60% | 41.60% | 41.60% | XXXX | XXXX |  |  |  | 774 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Asset Depletion | Borrower | Asset Utilization (No DTI) |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11789 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0.000 |  |  | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63065 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 17995 | $22220.00 | XXXX | 4.730% | $4256.16 | 4.500% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $11554.56 | $2253.96 | XXXX |  |  |  |  | 11.44% | 12.44% | 12.44% | XXXX | XXXX |  |  |  | 752 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 25 | Personal,Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - Balance Sheet Verified, 1 Month Personal Bank Statements Verified, 24 Months Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 17995 |  | 3.280% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.500% | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 24 |  |  | 0 | 0.000 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63349 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13009.5 | $15309.50 | XXXX | 5.217% | $3381.98 | 5.000% | No | No | Employed | Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $6535.44 | $4322.04 | XXXX |  |  |  |  | 48.46% | 48.45% | 48.45% | XXXX | XXXX | XXXX |  |  | 620 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 13009.5 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.000% | 0 | 2 | 0 | 0 | 2 | 0 |  |  |  |  | 0 | 0.000 |  |  | No | NA |  | Yes | 20 | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63037 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No |  | $21683.94 | XXXX | 5.146% | $3778.55 | 4.875% | Yes |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $8599.08 | $876.12 | XXXX |  |  |  |  | 23.83% | 23.86% | 23.86% | XXXX | XXXX |  |  |  | 754 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - Wage - CPA Letter Verified, Written VOE Verified, 24 Months Business Bank Statements Verified - 2021 | Borrower - 2021 | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 19688 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  | N/A | No | Yes | 12 | Yes | 12 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63040 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6848.00 | XXXX |  | $912.60 | 5.000% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $707.88 | $579.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 700 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.42 | 1.420 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 63048 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $20649.13 | XXXX |  | $3325.00 | 4.750% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9986.04 | $690.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 739 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1 | 1.040 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 62754 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8206.25 | $9861.27 | XXXX | 3.971% | $4022.88 | 3.875% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $18344.28 | $4704.00 | XXXX | CA | $42.00 |  |  | 29.16% | 29.14% | 29.14% | XXXX | XXXX |  |  |  | 788 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 24 | Personal | 0.00% | 0.00% |  |  | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 24 Months Personal Bank Statements Verified | Borrower | Asset Utilization (No DTI) |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 8206.25 |  | 3.280% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  |  |  | 0 | 0.000 |  |  | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 62737 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13795 | $18334.08 | XXXX | 5.321% | $4573.69 | 5.125% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $13125.00 | $1485.00 | XXXX |  |  |  |  | 24.47% | 24.41% | 24.41% | XXXX | XXXX |  |  |  | 675 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 13795 |  | 3.280% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  | No | 0 | 0.000 |  | N/A | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62695 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12202.5 | $13699.03 | XXXX | 4.817% | $3059.13 | 4.625% | No |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $19231.41 | 1 | $6967.80 | $1109.04 | XXXX |  |  |  |  | 38.89% | 37.70% | 37.70% | XXXX | XXXX |  |  |  | 730 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 1.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 12202.5 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.625% | 2 | 0 | 0 | 0 | 1 | 1 |  |  |  | N/A | 0 | 0.000 |  |  | No | NA |  | Yes | 12 | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63055 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $10891.00 | XXXX |  | $1606.19 | 4.500% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 4 | $4324.56 | $801.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 650 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 2.14 | 2.210 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 63062 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $13914.33 | XXXX |  | $2590.00 | 5.250% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9249.96 | $664.20 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 716 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 0.88 | 0.880 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 0 |
| 63066 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13945 | $17018.33 | XXXX | 4.014% | $4796.42 | 3.875% | No | No | Not Employed | Self-Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $15937.44 | $1014.96 | XXXX |  |  |  |  | 13.75% | 13.61% | 13.61% | XXXX | XXXX | XXXX |  |  | 773 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% |  |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - 24 Months Business Bank Statements Verified - 2021 | Borrower \|\| Co Borrower - 2021 | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 13945 |  | 3.280% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63083 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 9368.88 | $6642.95 | XXXX | 3.943% | $3564.40 | 3.875% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $10941.60 | $552.96 | XXXX | CA | $189.00 |  |  | 47.93% | 47.94% | 47.94% | XXXX | XXXX |  |  |  | 780 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Personal Bank Statements Verified | Borrower | Asset Depletion – Total Asset Calculation |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 9368.88 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 62747 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $5507.87 | XXXX |  | $1246.27 | 4.625% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $5955.00 | $1289.76 | XXXX | TX | $22.92 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 765 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $6260.00 |  | Manual Underwriting | No | Manual Underwriting | No | 4.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.93 | 0.930 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |
| 63036 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 13597.64 | $14470.39 | XXXX | 4.613% | $2552.35 | 4.375% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $7475.52 | $1257.96 | XXXX |  |  |  |  | 33.53% | 33.54% | 33.54% | XXXX | XXXX |  |  |  | 665 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 24 Months Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 13597.64 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  | N/A | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62709 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $24770.22 | XXXX |  | $2558.09 | 3.875% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $10365.96 | $750.12 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 634 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.23 | 1.230 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 62721 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $2621.25 | 4.375% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $6422.64 | $558.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 752 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.84 | 0.840 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 63063 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $3103.20 | 4.000% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $5660.40 | $1099.44 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 794 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.71 | 0.710 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 63031 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 23953.75 | $24763.23 | XXXX | 4.156% | $3821.26 | 3.875% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9916.20 | $2027.16 | XXXX |  |  |  |  | 38.57% | 38.22% | 38.22% | XXXX | XXXX |  |  |  | 692 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - Wage - 24 Months Business Bank Statements Verified - 2021 | Borrower - 2021 | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 23953.75 |  | 3.040% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63354 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12395 | $13264.44 | XXXX | 4.227% | $1504.76 | 3.875% | No | No | Self-Employed | Not Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $3155.76 | $1034.16 | XXXX |  |  |  |  | 32.23% | 32.23% | 32.23% | XXXX | XXXX | XXXX |  |  | 691 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - 12 Business Bank Statements Verified - 2021 \|\| Co Borrower | Borrower - 2021 \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 12395 |  | 3.620% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  | N/A | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63054 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 14943.62 | $15668.61 | XXXX | 4.635% | $5066.35 | 4.500% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $5482.56 | $915.96 | XXXX | AZ | $180.00 |  |  | 44.84% | 44.84% | 44.84% | XXXX | XXXX |  |  |  | 642 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 2 | Business | 0.00% | 100.00% |  | Audited | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Business Bank Statements Verified, 1040 Schedule E Verified | Borrower - 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 14943.62 |  | 3.280% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.500% | 2 | 0 | 0 | 0 | 0 | 0 |  | 2 | 12 |  | 0 | 0.000 |  |  | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63075 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $2988.44 | 4.625% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $6269.76 | $597.12 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 743 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.87 | 0.870 |  |  | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 62739 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 21895 | $22066.88 | XXXX | 3.902% | $4232.13 | 3.875% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $17256.75 | 1 | $7444.44 | $3645.96 | XXXX |  |  |  |  | 28.68% | 28.10% | 28.10% | XXXX | XXXX |  |  |  | 681 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.00% | 100.00% |  | Borrower Prepared | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 24 Months Personal Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 21895 |  | 3.170% |  |  | Manual Underwriting | No | Manual Underwriting | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  | 24 | N/A | 0 | 0.000 |  |  | No | Yes | 0 | No |  | H9 (Same Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63074 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $11049.44 | XXXX |  | $2104.34 | 5.000% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $4552.44 | $5989.08 | XXXX | FL | $465.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 693 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.65 | 0.650 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63980 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $1976.40 | 5.990% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $5769.84 | $1679.64 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 674 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.96 | 0.960 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 63986 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6736.21 | XXXX |  | $1057.77 | 5.625% | Yes |  | Not Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $2317.80 | $1464.96 | XXXX | TX | $41.67 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 687 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.13 | 1.130 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 63997 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 12576 | $15175.74 | XXXX | 7.234% | $3775.26 | 7.000% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $4878.12 | $2280.00 | XXXX | FL | $120.00 |  |  | 43.18% | 43.45% | 43.45% | XXXX | XXXX |  |  |  | 687 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 12576 |  | 3.760% |  |  | Manual Underwriting | No | Manual Underwriting | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0 | 0.000 |  |  | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 64004 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $3357.48 | 6.000% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $8781.12 | $2045.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 780 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.53 | 1.530 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63984 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $7628.61 | XXXX |  | $1964.58 | 5.125% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $7187.52 | $838.20 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 787 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.06 | 1.060 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 63987 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $2861.25 | 5.250% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $3015.96 | $803.16 | XXXX | CA | $645.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 761 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.25 | 1.240 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63991 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $9350.98 | XXXX |  | $2541.15 | 5.125% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $7700.88 | $613.20 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 761 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A | 1.13 | 1.130 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63992 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7368.08 | $12250.90 | XXXX | 5.640% | $3505.01 | 5.500% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9645.48 | $1917.00 | XXXX | CA | $89.00 |  |  | 36.97% | 36.34% | 36.34% | XXXX | XXXX |  |  |  | 742 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - 2021 | Borrower - 2021 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7368.08 |  | 3.760% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  |  | 0 | 0.000 |  | N/A | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64003 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $9052.00 | XXXX |  | $1778.33 | 5.500% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $4178.04 | $696.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 762 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.33 | 1.330 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 63982 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 7320 | $11640.67 | XXXX | 5.765% | $5719.01 | 5.750% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $13374.96 | $1311.12 | XXXX |  |  |  |  | 28.20% | 28.03% | 28.03% | XXXX | XXXX |  |  |  | 689 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - Business Bank Statements Verified | Borrower | 24 Month Bank Statement | 7 | XX/XX/XXXX | XX/XX/XXXX | 1 | 43 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 7320 |  | 3.610% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 |  |  | 0.00 | 0.000 |  |  | No | NA |  | No |  | H9 (Same Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 63995 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $5892.07 | XXXX |  | $1160.10 | 5.375% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $5834.28 | $513.24 | XXXX | MI | $33.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 797 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.31 | 1.310 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 63999 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $11823.38 | XXXX |  | $3061.67 | 5.500% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $10437.48 | $707.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 801 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.83 | 0.830 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63998 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 14915 | $14915.00 | XXXX | 5.668% | $3895.03 | 5.500% | No | No | Employed | Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $15152.88 | $1932.00 | XXXX |  |  |  |  | 38.22% | 36.50% | 36.50% | XXXX | XXXX | XXXX |  |  | 676 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 14915 |  | 3.760% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.500% | 2 | 2 | 0 | 0 | 2 | 2 |  |  |  |  | 0.00 | 0.000 |  |  | No | NA |  | Yes | 24 | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64000 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 16595 | $20560.50 | XXXX | 5.782% | $3497.58 | 5.500% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9624.96 | $1149.12 | XXXX |  |  |  |  | 34.72% | 34.72% | 34.72% | XXXX | XXXX |  |  |  | 742 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 16595 |  | 3.960% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.00 | 0.000 |  | N/A | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63978 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $6484.32 | XXXX |  | $974.57 | 5.750% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $677.52 | $705.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 764 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.14 | 1.150 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63993 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $5501.75 | XXXX |  | $1128.75 | 5.375% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $3455.40 | $508.56 | XXXX | MI | $33.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 797 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.36 | 1.670 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63976 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $1722.13 | 5.990% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 2 | $5959.92 | $1794.96 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 814 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.18 | 1.180 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63977 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $8628.60 | XXXX |  | $1797.00 | 5.990% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 2 | $5536.08 | $3555.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 814 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.15 | 1.140 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64007 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $898.36 | 5.990% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $1685.88 | $473.16 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 759 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.21 | 1.210 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63979 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $7090.16 | XXXX |  | $846.21 | 5.625% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  | $0.00 | 1 | $1073.40 | $539.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 726 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.17 | 1.170 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64274 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 8195 | $10691.39 | XXXX | 5.623% | $3974.52 | 5.500% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $2452.92 | $1617.96 | XXXX | CO | $110.00 |  |  | 47.88% | 47.06% | 47.06% | XXXX | XXXX |  |  |  | 740 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 8195 |  | 3.960% |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.00 | 0.000 |  |  | No | NA |  | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64273 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $1301.38 | 5.875% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $505.68 | $609.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 715 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.90 | 0.900 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 63981 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 6775 | $8737.67 | XXXX | 6.308% | $1486.89 | 6.000% | No | No | Self-Employed | Not Employed |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 1 | $2658.36 | $1789.92 | XXXX | FL | $63.00 |  |  | 37.41% | 37.40% | 37.40% | XXXX | XXXX | XXXX |  |  | 673 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, Business Bank Statements Verified - 2021 \|\| Co Borrower | Borrower - 2021 \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 6775 |  | 3.760% |  |  | Manual Underwriting | No | Manual Underwriting | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.00 | 0.000 |  |  | No | Yes | 0 | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63975 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $1871.88 | 5.990% | Yes | Yes |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | United States |  |  |  | 2 | $5585.88 | $1316.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX | XXXX |  |  | 814 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.09 | 1.090 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63973 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $1797.00 | 5.990% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 2 | $6399.00 | $1076.04 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 791 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.09 | 1.090 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63974 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $1871.88 | 5.990% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 2 | $5602.32 | $1419.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 791 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.18 | 1.180 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 64001 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $16112.48 | XXXX |  | $2291.67 | 5.500% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $9312.48 | $644.04 | XXXX | CA | $96.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 781 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.09 | 1.090 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |
| 64277 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $22288.78 | XXXX |  | $2816.23 | 5.500% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $3047.16 | $1506.96 | XXXX | NV | $26.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 775 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.93 | 0.930 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64275 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $5111.62 | 5.875% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $11261.28 | $783.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 794 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.870% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.11 | 0.790 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64283 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $0.00 | XXXX |  | $734.38 | 5.875% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $1437.12 | $894.00 | XXXX |  |  |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 799 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  |  |  | Manual Underwriting | No | Manual Underwriting | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 1.18 | 1.180 |  | N/A | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65403 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 15695 | $21548.33 | XXXX | 6.015% | $6954.79 | 6.000% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $9982.82 | 1 | $7136.76 | $1680.00 | XXXX |  |  |  |  | 44.73% | 44.73% | 44.73% | XXXX | XXXX |  |  |  | 768 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 88.54% | 100.00% |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 15695 |  | 3.990% |  |  | Manual Underwriting | No | Manual Underwriting | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  |  | 0.00 | 0.000 |  | N/A | No | Yes | 0 | No |  | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65402 | XXXX |  | ATR/QM: Exempt | XXXX | No | No |  | $14467.51 | XXXX |  | $4526.70 | 6.125% | Yes |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $0.00 | 1 | $6700.44 | $663.96 | XXXX | CA | $695.00 |  |  | 0.00% | 0.00% | 0.00% | XXXX | XXXX |  |  |  | 704 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | No | No | 0 |  |  |  |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation |  |  |  | $0.00 |  | Manual Underwriting | No | Manual Underwriting | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0.69 | 0.690 |  |  | No | NA |  | No |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 50183 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 30079.8 | $41420.63 | XXXX | 3.935% | $11313.26 | 4.750% | No |  | Self-Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | $23741.98 | 1 | $26920.08 | $6688.20 | XXXX |  |  |  |  | 44.45% | 51.90% | 43.48% | XXXX | XXXX |  |  |  | 716 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 27 | Personal,Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, Personal Bank Statements Verified, Business Bank Statements Verified | Borrower | 24 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 30079.8 |  | 0.000% |  |  | Manual Underwriting | No | Manual Underwriting | No | 4.750% | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 24 |  |  |  | 0.000 |  |  | No | Yes | 0 | Yes | 16 | H8 (New Creditor) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63996 | XXXX |  | Non-QM: Lender documented all ATR UW factors | XXXX | Yes | No | 11945 | $14313.28 | XXXX | 5.985% | $2917.86 | 5.750% | No |  | Employed |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  | 1 | $8013.60 | $975.48 | XXXX |  |  |  |  | 49.82% | 49.82% | 49.82% | XXXX | XXXX |  |  |  | 734 |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower | Written Verification of Employment |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | XXXX | XXXX | Appendix Q Documentation | 11945 |  | 3.990% |  | 1 | Manual Underwriting | No | Manual Underwriting | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0.000 |  |  | No | NA |  | Yes | 84 | H8 (New Creditor) | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |

---

## Exhibit 99.37

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.37**

---

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| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual in Place Rent From Lease** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Short Term Rent Amount** | **Short Term Rent Source** | **Short Term Rent Number of Months** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Property DTI** | **Investor DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Deed Vesting if not Borrower** | **Months Reserves** | **Qualifying Credit Score** | **Property Address** | **Property City** | **Property County** | **Property State** | **Property Zip** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** |
| 57418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 950 | 1205 | Appraisal - 1007 |  |  |  | 950 | Appraisal - 1007 | 126.17 |  | 0.79 | 0.79 | 1198.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11400 | No | 0 | 88.81 | 184.35 |  |  |  |  |  |  |  |  |  |  | No | No | 121.75 | 1 | 1 | N/A |  | 143 | 785 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 57422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5700 | 4900 | Appraisal - 1007 |  |  |  | 4900 | Appraisal - 1007 | 74.72 |  | 1.34 | 1.34 | 3661.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24600 | No | 0 | 650.11 | 105.84 |  |  |  |  |  |  |  |  |  |  | No | No | 121.75 | 1 | 1 | N/A |  | 55 | 735 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 57423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3900 | 3900 | Appraisal |  |  |  | 3900 | Appraisal | 67.57 |  | 1.48 | 1.48 | 2635.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 73210 | No | 0 | 651.04 | 160.1 |  |  |  |  |  |  |  |  |  |  | No | No | 0.75 | 1 | 15 | N/A |  | 253 | 727 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 57731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1007 |  |  |  | 2800 | Appraisal - 1007 | 93.66 |  | 1.48 | 1.07 | 2622.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35700 | No | 800 | 356.17 | 66.42 |  |  |  |  |  |  |  |  |  |  | No | No | 121.75 | 1 | 5 | N/A |  | 239 | 764 | XXXX | XXXX | XXXX | GA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 57716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5500 | 5500 | Appraisal |  |  |  | 5500 | Appraisal | 123.95 |  | 0.81 | 0.81 | 6817.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 180000 | No | 75 | 2225.45 | 367.58 |  |  |  |  |  |  |  |  |  |  | No | No | 2.4166666666666665 | 1 | 1 | Credit Reference Letter |  | 134.5 | 0 | XXXX | XXXX | XXXX | TX | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 57728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2000 | Appraisal |  |  |  | 2000 | Appraisal | 81.46 |  | 1.23 | 1.23 | 1629.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19550.4 | No | 0 | 190.1 | 49.75 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 2 | N/A |  | 124 | 751 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 57743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal |  |  |  | 2700 | Appraisal | 95.64 |  | 1.05 | 1.05 | 2582.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 70200 | No | 0 | 549.48 | 57.75 |  |  |  |  |  |  |  |  |  |  | No | No | 10.416666666666666 | 1 | 2 | N/A |  | 131 | 782 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 57749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4700 | 4700 | Appraisal |  |  |  | 4700 | Appraisal | 57.92 |  | 1.73 | 1.73 | 2722.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 56400 | No | 0 | 979.46 | 139.5 |  |  |  |  |  |  |  |  |  |  | No | No | 121.83333333333333 | 1 | 2 | N/A |  | 7 | 726 | XXXX | XXXX | XXXX | IL | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 57734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3000 | 3000 | Appraisal |  |  |  | 3000 | Appraisal | 135.47 |  | 0.74 | 0.74 | 4064.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36000 | No |  | 921.88 | 68.26 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 2 | N/A |  | 48 | 756 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 58089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3850 | 3850 | Appraisal |  |  |  | 3850 | Appraisal | 130.58 |  | 0.77 | 0.77 | 5027.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60000 | No |  | 1197.92 | 145.87 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 2 | N/A |  | 99 | 694 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 57686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 12000 | Appraisal - 1007 |  |  |  | 12000 | Appraisal - 1007 | 63.17 |  | 1.58 | 1.58 | 7580.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 90061 | No |  | 571.99 | 167.58 |  | XXXX |  |  |  |  |  |  |  |  | No | No | 28.416666666666668 | 1 | 3 | N/A |  | 97 | 689 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 57689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2600 | 3300 | Appraisal |  |  |  | 2600 | Appraisal | 96.46 |  | 1.32 | 1.32 | 2507.85 | 07-31-2022 | 1 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31200 | No |  | 522.18 | 70.25 |  | XXXX |  |  |  |  |  |  |  |  | No | No | 2.4166666666666665 | 1 | 2 | N/A |  | 201 | 750 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 57690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3900 | 3900 | Appraisal |  |  |  | 3900 | Appraisal | 87.07 |  | 1.15 | 1.15 | 3395.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 | No |  | 776.04 | 32.17 |  |  |  | 3900 |  |  |  |  |  |  | No | No | 0 | 1 | 3 | N/A |  | 6.9 | 776 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 57691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal |  |  |  | 3600 | Appraisal | 35.72 |  | 2.8 | 2.8 | 1286.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22800 | No |  | 612.58 | 82.83 |  |  |  | 3600 |  |  |  |  |  |  | No | No | 121.83333333333333 | 1 | 3 | N/A |  | 151 | 770 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 58105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 7000 | 7000 | Appraisal |  |  |  | 7000 | Appraisal | 110.25 |  | 0.82 | 0.82 | 7717.45 | 07-14-2022 | 1 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 54600 | No |  | 1206.03 | 80.17 |  |  |  |  |  |  |  |  |  |  | No | No | 121.83333333333333 | 1 | 3 | N/A |  | 8 | 747 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 61501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1007 |  |  |  | 3800 | Appraisal - 1007 | 91.39 |  | 1.09 | 1.09 | 3472.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 | No |  | 989.58 | 59.83 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 2 | N/A |  | 42 | 686 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 58098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2750 | 5950 | Appraisal |  |  |  | 2750 | Appraisal | 277.29 |  | 0.78 | 0.78 | 7625.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45000 | No |  | 1796.88 | 50.5 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 3 | N/A |  | 103 | 676 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 60451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal - 1007 |  |  |  | 2600 | Appraisal - 1007 | 93.93 |  | 1.07 | 1.06 | 2442.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19000 | No |  | 352.99 | 70.18 |  | XXXX |  |  |  |  |  |  |  |  | No | No | 0.4166666666666667 | 1 | 4 | N/A |  | 72 | 743 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 61508 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Asset Depletion – Debt Ratio Calculation | Present | No | 0 | 28500 | Appraisal |  |  |  | 28500 | Appraisal | 72.9 |  | 1.34 | 0 | 20777.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 342000 | Yes | 25 | 5064 | 1581.08 |  | XXXX |  |  |  |  |  |  |  |  | No | No | 9.5 | 1 | 3 | N/A |  | 350.52 | 734 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 61277 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1550 | 1850 | Appraisal |  |  |  | 1550 | Appraisal | 98.77 |  | 1.01 | 1.01 | 1530.87 | 09-01-2021 | 12 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42380 | No |  | 110.25 | 67.1 |  |  |  |  |  |  |  |  |  |  | No | No | 8.666666666666666 | 1 | 1 | N/A |  | 169.21 | 750 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 61507 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1500 | 1200 | Appraisal - 1007 |  |  |  | 1200 | Appraisal - 1007 | 124.9 |  | 0.8 | 0.8 | 1496.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 69439 | No |  | 295.53 | 63.92 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 3 | N/A |  | 76.5 | 691 | XXXX | XXXX | XXXX | CA | XXXX | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 |
| 61314 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  |  |  | 1800 | Appraisal - 1007 | 65.11 |  | 1.54 | 1.54 | 1172 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10800 | No |  | 86.89 | 101.5 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 2 | N/A |  | 60.94 | 677 | XXXX | XXXX | XXXX | CO | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 62259 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4400 | 4250 | Appraisal |  |  |  | 4250 | Appraisal | 88.79 |  | 1.13 | 1.13 | 3773.49 | 05-31-2022 | 12 | 03-31-2022 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 47300 | No |  | 384.46 | 97.25 |  |  |  |  |  |  |  |  |  |  | No | No | 0.9166666666666666 | 1 | 2 | N/A |  | 179.64 | 732 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 62272 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  |  |  | 2500 | Appraisal - 1007 | 80.04 |  | 1.25 | 1.25 | 2000.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 | No |  | 138.85 | 64.67 |  |  |  |  |  |  |  |  |  |  | No | No | 0.6666666666666666 | 0 | 4 | N/A |  | 54 | 764 | XXXX | XXXX | XXXX | AZ | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 61521 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1895 | 2000 | Appraisal |  |  |  | 1895 | Appraisal | 99.53 |  | 1 | 1 | 1886.15 | 05-20-2022 | 12 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21230 | Yes | 21.42 | 253.07 | 52.83 |  |  |  |  |  |  |  |  |  |  | No | No | 5.166666666666667 | 1 | 1 | N/A |  | 78.51 | 604 | XXXX | XXXX | XXXX | ID | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 61529 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5250 | Appraisal - 1007 |  |  |  | 5250 | Appraisal - 1007 | 109.57 |  | 0.91 | 0.91 | 5752.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 53500 | Yes | 185 | 1614.58 | 77.85 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 2 | N/A |  | 84.58 | 761 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 61531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6950 | 13000 | Lease |  |  |  | 6950 | Lease | 60.2 |  | 1.66 | 1.66 | 4183.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 83400 | No |  | 481.46 | 88.4 |  |  |  |  |  |  |  |  |  |  | No | No | 17.333333333333332 | 1 | 3 | N/A |  | 14 | 759 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 62304 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1575 | 1575 | Lease |  |  |  | 1575 | Lease | 100.23 |  | 1 | 1 | 1578.61 | 10-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 64896 | No |  | 243.22 | 36.67 |  |  |  |  |  |  |  |  |  |  | No | No | 2.0833333333333335 | 1 | 11 | N/A |  | 235 | 727 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 61500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3000 | 3300 | Appraisal - 1007 |  |  |  | 3000 | Appraisal - 1007 | 71.21 |  | 1.4 | 1.4 | 2136.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 93800 | No |  | 710.06 | 127.83 |  |  |  |  |  |  |  |  |  |  | No | No | 18.916666666666668 | 1 | 1 | N/A |  | 10.73 | 680 | XXXX | XXXX | XXXX | IL | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 61517 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5500 | 5500 | Appraisal - 1007 |  |  |  | 5500 | Appraisal - 1007 | 166.34 |  | 0.6 | 0.6 | 9148.67 | 01-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3300 | Yes | 2930 | 1268.86 | 168.56 |  |  |  |  |  |  |  |  |  |  | No | No | 14.75 | 3 | 3 | N/A |  | 651 | 767 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 62275 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2250 | 2250 | Appraisal |  |  |  | 2250 | Appraisal | 69.84 |  | 1.42 | 1.43 | 1571.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24000 | No |  | 298.23 | 212.25 |  |  |  |  |  |  |  |  |  |  | No | No | 121.91666666666667 | 1 | 1 | N/A |  | 125 | 656 | XXXX | XXXX | XXXX | VA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 61523 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full Doc | Present | Yes | 1100 | 1180 | Appraisal - 1007 |  |  |  | 1100 | Appraisal - 1007 | 100.76 |  | 0.74 | 0 | 1108.31 | 12-31-2021 | 1 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13200 | No |  | 120.82 | 50.83 |  | XXXX |  |  |  |  |  |  |  |  | No | No | 1.8333333333333333 | 1 | 2 | N/A |  | 265.98 | 733 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 61530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5000 | 5000 | Appraisal |  |  |  | 5000 | Appraisal | 40.78 |  | 2.45 | 2.45 | 2039.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 110000 | No |  | 800.24 | 85.75 |  | XXXX |  |  |  |  |  |  |  |  | No | No | 2.8333333333333335 | 1 | 5 | N/A |  | 92 | 737 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2750 | Appraisal - 1007 |  |  |  | 2750 | Appraisal - 1007 | 92.61 |  | 1.08 | 1.08 | 2546.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32000 | No |  | 358.89 | 29.25 |  |  |  |  |  |  |  |  |  |  | No | No | 2.4166666666666665 | 1 | 2 | N/A |  | 27.97 | 661 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63051 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2900 | 2900 | Appraisal |  |  |  | 2900 | Appraisal | 92.88 |  | 1.08 | 1.08 | 2693.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24300 | No |  | 148.24 | 54.44 |  | XXXX |  |  |  |  |  |  |  |  | No | No | 0.4166666666666667 | 1 | 2 | N/A |  | 16 | 711 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 61541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2450 | 2845 | Appraisal - 1007 |  |  |  | 2450 | Appraisal - 1007 | 72.25 |  | 1.38 | 1.38 | 1770.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 90000 | No |  | 131.43 | 48.58 |  |  |  |  |  |  |  |  |  |  | No | No | 0.5 | 1 | 11 | N/A |  | 164 | 727 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 61922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 Month Bank Statement | Present | Yes | 5352 | 5900 | Appraisal - 1007 |  |  |  | 5352 | Appraisal - 1007 |  |  | 1.21 | 0 | 3329.73 | 04-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34800 | No |  | 874.85 | 65.6 |  |  |  |  |  |  |  |  |  |  | No | No | 121.91666666666667 | 1 | 5 | N/A |  | 41 | 746 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 62299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  |  |  | 2400 | Appraisal - 1007 | 66.84 |  | 1.25 | 1.5 | 1604.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55526 | No |  | 190.89 | 69.26 |  |  |  |  |  |  |  |  |  |  | No | No | 121.91666666666667 | 1 | 1 | N/A |  | 22 | 770 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 62260 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2200 | 2450 | Lease |  |  |  | 2200 | Lease | 51.18 |  | 1.95 | 1.95 | 1125.89 | 02-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 | No |  | 325.06 | 40.42 |  |  |  |  |  |  |  |  |  |  | No | No | 3.75 | 1 | 4 | N/A |  | 1.64 | 791 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 61969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full Doc | Present | No | 0 | 0 | N/A |  |  |  |  | N/A |  |  | 0 | 0 | 3581.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 75000 | No |  | 470.88 | 62.6 |  |  |  |  |  |  |  |  |  |  | No | No | 4.333333333333333 | 1 | 2 | N/A |  | 76.39 | 769 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63080 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5400 | Appraisal - 1007 |  |  |  | 5400 | Appraisal - 1007 | 86.27 |  | 1.16 | 1.16 | 4658.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32400 | No |  | 526.95 | 172.58 |  |  |  |  |  |  |  |  |  |  | No | No | 2 | 1 | 3 | N/A |  | 30.29 | 700 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 62279 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 7500 | 7500 | Appraisal |  |  |  | 7500 | Appraisal | 72.47 |  | 1.37 | 1.38 | 5435.16 | 04-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28280 | No |  | 692.9 | 133.94 |  |  |  |  |  |  |  |  |  |  | No | No | 18.166666666666668 | 1 | 6 | N/A |  | 97.88 | 707 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 62716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4200 | 3000 | Appraisal - 1007 |  |  |  | 3000 | Appraisal - 1007 | 121.99 |  | 0.82 | 0.82 | 3659.64 | 03-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36000 | Yes | 125 | 760.74 | 46.52 |  |  |  |  |  |  |  |  |  |  | No | No | 121.91666666666667 | 3 | 3 | N/A |  | 165 | 786 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63057 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2295 | Appraisal - 1007 |  |  |  | 2295 | Appraisal - 1007 | 97.62 |  | 0 | 0 | 2240.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 80000 | No |  | 131.45 | 224.08 |  |  |  |  |  |  |  |  |  |  | No | No | 122 | 1 | 2 | N/A |  | 21 | 662 | XXXX | XXXX | XXXX | CO | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 62751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal |  |  |  | 2100 | Appraisal | 97.08 |  | 1.03 | 1.03 | 2038.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 500 | No |  | 385.42 | 18 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 2 | N/A |  | 164 | 732 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 62727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 2700 | Appraisal - 1007 |  |  |  | 2500 | Appraisal - 1007 | 71.32 |  | 1.3 | 1.4 | 1925.55 | 06-30-2022 | 12 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35240 | No |  | 402.73 | 58.6 |  |  |  |  |  |  |  |  |  |  | No | No | 4 | 1 | 3 | N/A | WUSWELL LLC | 32 | 810 | XXXX | XXXX | XXXX | CA | XXXX | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 |
| 62750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2295 | 2450 | Appraisal |  |  |  | 2295 | Appraisal | 96.73 |  | 1.03 | 1.03 | 2219.98 | 01-12-2022 | 1 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34100 | No |  | 302.45 | 81.92 |  |  |  |  |  |  |  |  |  |  | No | No | 3.5 | 1 | 3 | N/A |  | 53.61 | 728 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 62740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1800 | 1800 | Appraisal - 1007 |  |  |  | 1800 | Appraisal - 1007 | 74.05 |  | 1.34 | 1.35 | 1332.85 |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 49080 | No |  | 175.79 | 73.92 |  | XXXX |  |  |  |  |  |  |  |  | No | No | 4.333333333333333 | 1 | 3 | N/A |  | 55.89 | 794 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63355 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2150 | 2300 | Appraisal - 1007 |  |  |  | 2150 | Appraisal - 1007 | 78.68 |  | 1.19 | 1.19 | 1809.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25800 | No |  | 223.25 | 58.28 | 0 |  |  |  |  |  |  |  |  |  | No | No | 1.1666666666666667 | 1 | 3 | N/A |  | 47.7 | 763 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63040 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1450 | Appraisal |  |  |  | 1450 | Appraisal | 70.33 |  | 1.42 | 1.42 | 1019.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17250 | No |  | 58.99 | 48.25 |  |  |  |  |  |  |  |  |  |  | No | No | 3.0833333333333335 | 1 | 4 | N/A |  | 101.08 | 700 | XXXX | XXXX | XXXX | NV | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4400 | Appraisal |  |  |  | 4400 | Appraisal | 95.79 |  | 1 | 1.04 | 4214.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45750 | No |  | 832.17 | 57.58 |  |  |  |  |  |  |  |  |  |  | No | No | -1 | 0 | 4 | N/A |  | 98 | 739 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4500 | 4700 | Appraisal |  |  |  | 4500 | Appraisal | 45.08 |  | 2.14 | 2.21 | 2033.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18250 | No |  | 360.38 | 66.75 |  |  |  |  |  |  |  |  |  |  | No | No | 17 | 0 | 1 | N/A |  | 30.04 | 650 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63062 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal |  |  |  | 3000 | Appraisal | 113.87 |  | 0.88 | 0.88 | 3416.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30730 | No |  | 770.83 | 55.35 |  |  |  |  |  |  |  |  |  |  | No | No | 0.08333333333333333 | 0 | 4 | N/A |  | 144 | 716 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 62747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1745 | Appraisal |  |  |  | 1745 | Appraisal | 107.33 |  | 0.93 | 0.93 | 1872.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11242.02 | Yes | 22.92 | 496.25 | 107.48 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 7 | N/A |  | 21 | 765 | XXXX | XXXX | XXXX | TX | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 62709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3600 | 4500 | Appraisal |  |  |  | 3600 | Appraisal | 96.79 |  | 1.23 | 1.23 | 3484.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 67000 | No |  | 863.83 | 62.51 |  |  |  |  |  |  |  |  |  |  | No | No | 1.8333333333333333 | 0 | 2 | N/A |  | 7 | 634 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 62721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3050 | 2700 | Lease |  |  |  | 2700 | Lease | 118.63 |  | 0.84 | 0.84 | 3203.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23400 | No |  | 535.22 | 46.58 |  |  |  |  |  |  |  |  |  |  | No | No | 2.6666666666666665 | 1 | 3 | N/A |  | 24 | 752 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal |  |  |  | 2600 | Appraisal | 141.02 |  | 0.71 | 0.71 | 3666.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43998.12 | No |  | 471.7 | 91.62 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A |  | 32 | 794 | XXXX | XXXX | XXXX | WA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63075 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3100 | 3100 | Appraisal |  |  |  | 3100 | Appraisal | 114.86 |  | 0.87 | 0.87 | 3560.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1080 | No |  | 522.48 | 49.76 |  |  |  |  |  |  |  |  |  |  | No | No | 0.5833333333333334 | 1 | 4 | N/A |  | 8 | 743 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63074 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2250 | Appraisal |  |  |  | 2250 | Appraisal | 153.24 |  | 0.65 | 0.65 | 3447.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 | Yes | 465 | 379.37 | 499.09 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 2 | N/A |  | 223.61 | 693 | XXXX | XXXX | XXXX | FL | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 2500 | Appraisal |  |  |  | 2500 | Appraisal | 103.89 |  | 0.96 | 0.96 | 2597.19 | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31166.28 | No |  | 480.82 | 139.97 |  |  |  |  |  |  |  |  |  |  | No | No | 9.333333333333334 | 1 | 1 | N/A |  | 57 | 674 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63986 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal |  |  |  | 1600 | Appraisal | 88.42 |  | 1.13 | 1.13 | 1414.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43800 | Yes | 41.67 | 193.15 | 122.08 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A |  | 40 | 687 | XXXX | XXXX | XXXX | TX | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 64004 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6500 | Appraisal |  |  |  | 6500 | Appraisal | 65.53 |  | 1.53 | 1.53 | 4259.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40400 | No |  | 731.76 | 170.42 |  |  |  |  |  |  |  |  |  |  | No | No | 2.75 | 1 | 4 | N/A |  | 8.17 | 780 | XXXX | XXXX | XXXX | CA | XXXX | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 |
| 63984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal |  |  |  | 2800 | Appraisal | 94.05 |  | 1.06 | 1.06 | 2633.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 70000 | No |  | 598.96 | 69.85 |  |  |  |  |  |  |  |  |  |  | No | No | 0.5833333333333334 | 1 | 2 | N/A |  | 120 | 787 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5400 | 4750 | Appraisal |  |  |  | 4750 | Appraisal | 80.52 |  | 1.25 | 1.24 | 3824.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 | Yes | 645 | 251.33 | 66.93 |  |  |  |  |  |  |  |  |  |  | No | No | 31.583333333333332 | 1 | 3 | N/A |  | 167 | 761 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3650 | 4675 | Appraisal |  |  |  | 3650 | Appraisal | 88.6 |  | 1.13 | 1.13 | 3233.99 | 02-28-2023 | 1 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46930 | No |  | 641.74 | 51.1 |  |  |  |  |  |  |  |  |  |  | No | No | 4.75 | 1 | 2 | N/A |  | 527 | 761 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 64003 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal |  |  |  | 2900 | Appraisal | 75.33 |  | 1.33 | 1.33 | 2184.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43270 | No |  | 348.17 | 58 |  |  |  |  |  |  |  |  |  |  | No | No | 2.0833333333333335 | 1 | 3 | N/A |  | 104 | 762 | XXXX | XXXX | XXXX | WA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2250 | 2520 | Lease |  |  |  | 2250 | Lease | 76.54 |  | 1.31 | 1.31 | 1722.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12440.46 | Yes | 33 | 486.19 | 42.77 |  |  |  |  |  |  |  |  |  |  | No | No | 9.333333333333334 | 1 | 4 | N/A |  | 212.85 | 797 | XXXX | XXXX | XXXX | MI | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63999 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3300 | 3300 | Appraisal |  |  |  | 3300 | Appraisal | 120.92 |  | 0.83 | 0.83 | 3990.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 71770 | No |  | 869.79 | 58.92 |  |  |  |  |  |  |  |  |  |  | No | No | 2.5833333333333335 | 1 | 2 | N/A |  | 89 | 801 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1550 | Appraisal |  |  |  | 1550 | Appraisal | 70.31 |  | 1.14 | 1.15 | 1089.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40900 | No |  | 56.46 | 58.83 |  |  |  |  |  |  |  |  |  |  | No | No | 7.416666666666667 | 1 | 3 | N/A |  | 120 | 764 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63993 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2490 | Appraisal |  |  |  | 2490 | Appraisal | 59.92 |  | 1.36 | 1.67 | 1492.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14940 | Yes | 33 | 287.95 | 42.38 |  |  |  |  |  |  |  |  |  |  | No | No | 9.333333333333334 | 4 | 3 | N/A |  | 918 | 797 | XXXX | XXXX | XXXX | MI | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63976 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2870 | 2800 | Appraisal |  |  |  | 2800 | Appraisal | 84.58 |  | 1.18 | 1.18 | 2368.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34500 | No |  | 496.66 | 149.58 |  |  |  |  |  |  |  |  |  |  | No | No | 3.0833333333333335 | 1 | 7 | N/A |  | 52.25 | 814 | XXXX | XXXX | XXXX | FL | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2900 | 2900 | Appraisal |  |  |  | 2900 | Appraisal | 88.09 |  | 1.15 | 1.14 | 2554.59 | 02-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36036 | No |  | 461.34 | 296.25 |  |  |  |  |  |  |  |  |  |  | No | No | 2.5 | 1 | 7 | N/A |  | 53 | 814 | XXXX | XXXX | XXXX | FL | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 64007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1300 | Appraisal |  |  |  | 1300 | Appraisal | 82.94 |  | 1.21 | 1.21 | 1078.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27800 | No |  | 140.49 | 39.43 |  |  |  |  |  |  |  |  |  |  | No | No | 5.083333333333333 | 1 | 3 | N/A |  | 132 | 759 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1150 | 1490 | Appraisal |  |  |  | 1150 | Appraisal | 85.27 |  | 1.17 | 1.17 | 980.58 | 01-01-1900 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13800 | No |  | 89.45 | 44.92 |  |  |  |  |  |  |  |  |  |  | No | No | 3.8333333333333335 | 1 | 3 | N/A |  | 44 | 726 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 64273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1250 | 1250 | Appraisal |  |  |  | 1250 | Appraisal | 111.54 |  | 0.90 | 0.9 | 1394.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20625 | No |  | 42.14 | 50.75 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 2 | N/A |  | 35 | 715 | XXXX | XXXX | XXXX | NV | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63975 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2675 | 2800 | Appraisal |  |  |  | 2675 | Appraisal | 91.48 |  | 1.09 | 1.09 | 2447.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37500 | No |  | 465.49 | 109.67 |  |  |  | 30495 |  |  |  |  |  |  | No | No | 3.75 | 1 | 6 | N/A |  | 55.68 | 814 | XXXX | XXXX | XXXX | FL | XXXX | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2645 | 2800 | Appraisal |  |  |  | 2645 | Appraisal | 91.49 |  | 1.09 | 1.09 | 2419.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 360000 | No |  | 533.25 | 89.67 |  |  |  |  |  |  |  |  |  |  | No | No | 2.5833333333333335 | 1 | 5 | N/A |  | 41 | 791 | XXXX | XXXX | XXXX | FL | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 63974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3000 | 2900 | Appraisal |  |  |  | 2900 | Appraisal | 84.72 |  | 1.18 | 1.18 | 2456.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37500 | No |  | 466.86 | 118.25 |  |  |  |  |  |  |  |  |  |  | No | No | 1.6666666666666667 | 1 | 5 | N/A |  | 46.3 | 791 | XXXX | XXXX | XXXX | FL | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 64001 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal |  |  |  | 3500 | Appraisal | 91.93 |  | 1.09 | 1.09 | 3217.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37400 | Yes | 96 | 776.04 | 53.67 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 2 | N/A |  | 203 | 781 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 64277 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal |  |  |  | 3000 | Appraisal | 107.39 |  | 0.93 | 0.93 | 3221.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 58800 | Yes | 26 | 253.93 | 125.58 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 3 | N/A |  | 15 | 775 | XXXX | XXXX | XXXX | NV | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 64275 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4850 | Appraisal |  |  |  | 4850 | Appraisal | 126.09 |  | 1.11 | 0.79 | 6115.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55000 | No |  | 938.44 | 65.25 |  |  |  | 55290 |  |  |  |  |  |  | No | No | 0 | 1 | 2 | N/A |  | 32 | 794 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 64283 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1100 | 1600 | Appraisal |  |  |  | 1100 | Appraisal | 84.42 |  | 1.18 | 1.18 | 928.64 | 12-31-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 | No |  | 119.76 | 74.5 |  |  |  |  |  |  |  |  |  |  | No | No | 6.5 | 1 | 2 | N/A |  | 99.72 | 799 | XXXX | XXXX | XXXX | AZ | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |
| 65402 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4000 | 4000 | Appraisal |  |  |  | 4000 | Appraisal | 145.88 |  | 0.69 | 0.69 | 5835.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 | Yes | 695 | 558.37 | 55.33 |  |  |  |  |  |  |  |  |  |  | No | No |  | 1 | 2 | N/A |  | 84 | 704 | XXXX | XXXX | XXXX | CA | XXXX | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |

---

## Exhibit 99.38

[MFA 2023-NQM2 Trust ABS-15G](mfra-abs15g_033123.htm)

**Exhibit 99.38**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 56306 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.62 | 47.976 | DTI within 2% |
| 56306 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual U/W loan |
| 56309 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Loan is Manual Underwriting. |
| 57700 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Format matches |
| 57700 |  | XXXX | Interest Only Flag | notePage | false | No | Format matches |
| 57700 |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | Format Matches |
| 57700 |  | XXXX | Borrower 1 Citizen | the1003Page | XXXX | XXXX | documentation on page 30 and the initial 1008 do not match |
| 56311 |  | XXXX | Interest Only Flag | notePage | true | Yes | Formatting |
| 56311 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | loan was a manual UW |
| 56311 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.74 | 16.244 | within 2% tolerance |
| 56311 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 56313 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Underwriting is Manual |
| 56313 |  | XXXX | Interest Only Flag | notePage | false | No | same answer different format |
| 56301 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Format matches |
| 56301 |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | Format matches |
| 56301 |  | XXXX | Interest Only Flag | notePage | false | No | Formatting |
| 56301 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 56307 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 1.17 | Loan has income no DSCR info in file Approval certification has doc type: Other Bank Statements |
| 56307 |  | XXXX | Interest Only Flag | notePage | false | No |  |
| 56307 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.32 | 29.248 | Within 2% variance |
| 56307 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual Underwrite |
| 56307 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 57696 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual Underwrite required |
| 57696 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.95 | 0.71 | DSCR Calculated using Net Operating Income |
| 57407 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | Tape data incorrect |
| 57407 |  | XXXX | Escrow Flag | hudClosingDetailPage | No | Yes |  |
| 57407 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 751 | 781 | Tape data incorrect |
| 57407 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.82 | 0 | Tape data reflects 0 |
| 57699 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Information different on tape. Loan manually underwritten. |
| 57699 |  | XXXX | Interest Only Flag | notePage | false | No |  |
| 57699 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Asset Depletion |  |
| 56316 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.05 | 0.97 | Approved |
| 56316 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual Underwriting accurate |
| 56316 |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | Approved |
| 56316 |  | XXXX | Interest Only Flag | notePage | false | No | Approved |
| 57413 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.36 | 47.333 | 47.333 |
| 57413 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual Underwriting |
| 57413 |  | XXXX | Interest Only Flag | notePage | false | No | matches |
| 57413 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 56318 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual Underwriting |
| 56318 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 56327 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.15 | 28.832 | Within 2% tolerance |
| 56327 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | AUS Recommendation is manual underwriting |
| 57753 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | Manual Underwriting accurate |
| 57753 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 56303 |  | XXXX | Interest Only Flag | notePage | false | No | due to formatting, matches |
| 56303 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | Underwriting is manual. |
| 56303 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.67 | 46.643 | Within 2% |
| 56321 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.81 | 45.781 | dti within 2% |
| 56321 |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | Format matches |
| 56321 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.88 | Not a Dscr file N/A |
| 56321 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Refer With Caution | True data correct Manual Underwriting |
| 56321 |  | XXXX | Interest Only Flag | notePage | false | No | format matches |
| 56323 |  | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | XXXX | XXXX | Format Matches |
| 56323 |  | XXXX | Interest Only Flag | notePage | false | No | due to formatting, matches |
| 56323 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | No changes needed. |
| 56323 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 56304 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | Underwriting is manual |
| 56304 |  | XXXX | Interest Only Flag | notePage | false | No | due to formatting, matches |
| 56304 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.39 | Not a DSCR loan |
| 56304 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Written Verification of Employment |  |
| 56305 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Underwriting is manual |
| 56305 |  | XXXX | Interest Only Flag | notePage | true | Yes | due to formatting, matches |
| 57418 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 785 | 797 | As per documents FICO is 785 |
| 57418 |  | XXXX | Interest Only Flag | notePage | false | No | values match |
| 57418 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | AUS is Manual Underwriter |
| 57422 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per the document |
| 57423 |  | XXXX | Interest Only Flag | notePage | false | No | Updated as per documents |
| 57423 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 document |
| 57423 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 727 | 732 | Updated as per credit document |
| 57731 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as Per 1008 |
| 57731 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.07 | 1.48 | Updated as per guidelines |
| 57425 |  | XXXX | Interest Only Flag | notePage | false | No | Updated as per Note document |
| 57425 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 document |
| 57425 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 57426 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | as per 1008 document |
| 57426 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.56 | 15.263 | as per 1008 document |
| 57426 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 57716 |  | XXXX | Interest Only Flag | notePage | true | Yes | Updated as per Note Document |
| 57716 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.81 | 0.55 | Updated as per Rent Schedule and PITIA |
| 57716 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per Approval Certificate and 1008 |
| 57747 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | as per 1008 Doc. |
| 57694 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 and Approval certificate |
| 57694 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.82 | 48.594 | There is mismatch of Borrower 1 Income on Final 1003 and 1008 Document. Taxes mismatch with Title and 1008. Due to that HTI and DTI mismatch. Please provide updated 1008 document. |
| 57694 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 57726 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | updated as per 1008 Document. |
| 57728 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | As per the 1008 updated |
| 57733 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | As Per 1008 Document this is Manual underwriting |
| 57733 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 57738 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per the 1008 and Approval Certificate |
| 57740 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual Underwritten loan |
| 57740 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.63 | 11.748 | within 2% tolerance |
| 57740 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 57748 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Refer With Caution | Manual underwrite required |
| 57725 |  | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 57725 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | AUS Recommendation is Manual Underwriting. |
| 57725 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.52 | 32.339 | within 2% |
| 57725 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 57743 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 document |
| 57749 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 and approval certificate |
| 57757 |  | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Updated as per the approval document, Tape blank |
| 57757 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.08 | 30.177 | DTI/HTI +/- 2% is allowable as per Guidelines |
| 57757 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | This is manually underwritten loan. Hence, as per 1008 updated the same |
| 57757 |  | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.08 | NA | Tape is blank. |
| 57756 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 725 | 736 | Updated as per the approval document |
| 57756 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.67 | 8.257 | within 2% tolerance |
| 57756 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | manually underwritten per 1008 |
| 57756 |  | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Updated as per the approval Document |
| 57756 |  | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.67 | TBD | tape is blank |
| 57756 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 57755 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | Manually underwritten |
| 57755 |  | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.09 | N/A | Tape is blank, DTI is 8.08 |
| 57755 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 57701 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual required |
| 57701 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 676 | 749 | Updated as per the Approval document. |
| 57701 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 57704 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | Updated as per the 1008 and Approval Document |
| 57734 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | as per 1008 document. |
| 58089 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual required |
| 57685 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual U/W |
| 57685 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.87 | 44.539 | 43.87 DTI |
| 57685 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 808 | 800 | Credit score of 808 per 1008 and initial credit report |
| 57685 |  | XXXX | Property Type | propertyValuationPage | Single Family Detached | PUD | Per Title property is a PUD |
| 57685 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 57686 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | underwrite is manual |
| 57687 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual Underwriter |
| 57687 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.18 | 26.404 | As per Documents Updated |
| 57687 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 57684 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 2.32 | 4.163 | As Per Documents Updated |
| 57684 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | Manual Underwriter |
| 57684 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 57689 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual U/W |
| 57690 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per documents |
| 57691 |  | XXXX | Interest Only Flag | notePage | true | Yes | Updated as per note document |
| 57691 |  | XXXX | Initial Monthly P&I Or IO Payment | notePage | 590.63 | $590.62 | Updated as per note document |
| 57691 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per documents |
| 57692 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | As per 1008 Updated |
| 57692 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 634 | 713 | As Per credit report updated |
| 58105 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual U/W |
| 58121 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 58123 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | manual underwrite required |
| 58123 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 58057 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.47 | 29.167 | XXXX |
| 58057 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, UPdated as per the 1008 document |
| 58057 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 58079 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated from 1008 document |
| 58079 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.57 | 38.34 | Updated as per 1008 document |
| 58079 |  | XXXX | Originator Doc Type | employmentIncomePage | Full Doc | Written Verification of Employment |  |
| 58086 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | AUS recommendation is Manual Underwriting. |
| 58093 |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | Loan program is correct format matches |
| 58093 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Format is correct Manual Underwriting. |
| 58093 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 9.37 | 9.878 | Ratio within 2% no correction needed. |
| 58093 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 60111 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | AUS Manual underwriting |
| 60111 |  | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 60111 |  | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.02 | NA | DTI 26.03 |
| 61501 |  | XXXX | Interest Only Flag | notePage | true | Yes | Values match |
| 61501 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | manual U/W |
| 58098 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 676 | 684 | As per the Credit Report Fico is 676 |
| 58098 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | As per 1008 document it is Manual Underwriting |
| 61497 |  | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 61497 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | Underwrite is manual |
| 61497 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.55 | 39.504 | within 2% |
| 61497 |  | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.55 | NA | As Per The Documents Updated |
| 61497 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 60124 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated As per 1008 Doc |
| 60124 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 60364 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 60364 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.54 | 23.607 | DTI/HTI +/- 2% is allowable as per Guidelines |
| 60364 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 60120 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per documents |
| 60120 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.31 | 36.175 | As per Gap credit report some of accounts are paid off. As lender guidelines 2% of variation acceptable. |
| 60120 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 61502 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per document |
| 61502 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.88 | 33.477 | As per Lender guidelines 2pa% of variation acceptable |
| 60410 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 60410 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.16 | 36.497 | Variance of 2% -/+ allowable as per guideline |
| 60410 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 60144 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | As Per 1008 Doc AUS Recommendation is Manual Underwriting page 1Cr |
| 60451 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This Is Manual Underwriter |
| 60451 |  | XXXX | Interest Only Flag | notePage | true | Yes | Interest Only Flag Is True Only |
| 60451 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.06 | 1.07 | As Per Documents Updated DSCR 1.06 |
| 60367 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.8 | 41.338 | Ratio is within 2% per 1008 the back end DTI is 42.01 |
| 60367 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual underwriting is correct no correction needed. |
| 60367 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 60407 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. |
| 60407 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 61336 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | 1) Updated as per 1008 document page 1 cr |
| 61336 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.61 | 12.917 | 2) DTI +/- 2% is allowable as per Guidelines |
| 61336 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Written Verification of Employment |  |
| 60398 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | As per the 1008 it is manual underwriting and updated as per Updated that |
| 60398 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.91 | 12.896 | All liabilities and income Updated As per guidelines 2% +/- is acceptable |
| 60398 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 61240 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual Underwriting |
| 61240 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 61508 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Product is Manual UW |
| 61508 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 1.34 | Not A DSCR loan |
| 61508 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.84 | 47.518 | Needs to be reviewed |
| 61508 |  | XXXX | Interest Only Flag | notePage | true | Yes | Product is IO for 120 months |
| 61508 |  | XXXX | Originator Doc Type | employmentIncomePage | Asset Depletion – Debt Ratio Calculation | Asset Depletion |  |
| 61277 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Loan was Manually Underwritten |
| 61507 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | AUS Manual Underwriting |
| 61314 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 61314 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 677 | 678 | Lowest mid score is 677 |
| 62259 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual U/W per 1008 |
| 62272 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 and Approval Documents |
| 62255 |  | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 62255 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.63 | DSCR .84 - $2775 (rent)/$3309.43 (PITI) = .84 |
| 62255 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | manual U/W |
| 62255 |  | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.09 | TBD | Back end ratio 49.09 |
| 61545 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.01 | 43.015 | Values Match |
| 61545 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | Loan was manually underwritten |
| 61521 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual U/W per 1008 |
| 61529 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Confirmed with final 1008 Manual underwriting |
| 62304 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual underwriting no correction needed. |
| 61500 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 680 | 718 | updated as per Latest Credit Report |
| 61500 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 61500 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.4 | 1.36 | This Is DSCR Loan, Monthly Rent - $3300 As per 1007 Page 291Cr / Proposed PITIA - $2138<br> as per Final 1003 page 33Cr= 1.54 DSCR Ratio |
| 57711 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.53 | 12.609 | DTI within 2% |
| 57711 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Asset Depletion |  |
| 61515 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 Doc |
| 61515 |  | XXXX | Interest Only Flag | notePage | true | Yes | Updated as per Note |
| 61515 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.02 | 31.914 | HTI/DTI is +/- 2% Allowable as per Guideline |
| 61515 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 61517 |  | XXXX | Interest Only Flag | notePage | true | Yes | Updated as Per Note Document |
| 61517 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as Per 1008 Document |
| 61519 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.87 | 26.544 | DTI/HTI +/- 2% is allowable as per Guidelines |
| 62275 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 doc |
| 62275 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.43 | 1.42 | Updated As per Approval certificate |
| 61523 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.85 | 45.847 | DTI +/- 2% is allowable as per Guidelines |
| 61523 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.74 | DSCR ratio $1,180 rent /$1,108.31 PITI = 1.06 |
| 61542 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as Per 1008 Document |
| 61542 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 61527 |  | XXXX | Interest Only Flag | notePage | true | Yes | Updated as per Note doc |
| 61527 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 document |
| 61527 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.65 | 27.537 | HTI/DTI is +/- 2% Allowable as per Guidelines |
| 61527 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 61530 |  | XXXX | Initial Monthly P&I Or IO Payment | notePage | 1153.13 | $1153.12 | Updated as per the Note document. |
| 61530 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 61530 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 2.45 | 1.96 | This Is DSCR Loan, Monthly Rent - $5000 As per 1007 Page 251Cr / Proposed PITIA - $2039.11 <br> as per Final 1003 page 32Cl= 2.4 DSCR Ratio |
| 61950 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.47 | 40.49 | Within 2% |
| 61950 |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Updated as Note and 1003 Document |
| 61950 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as 1008 and Approval Document |
| 61950 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Written Verification of Employment |  |
| 63047 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 63047 |  | XXXX | Interest Only Flag | notePage | true | Yes | Updated as per the Note document |
| 63047 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.08 | 1.05 | This Is DSCR Loan, Monthly Rent - $2750 As per 1007 Page 155r / Proposed PITIA - $2546.74<br> as per Final 1003 page 14Cr= 1.07 DSCR Ratio |
| 63051 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per Approval Document |
| 61539 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.22 | 33.079 | DTI is matching and it is within 2% of +/- and as per the guidelines it can be accepted |
| 61539 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | As per the 1008 document this file is manual underwriting and updated |
| 61539 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 61541 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Value matches not correction needed. |
| 61541 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.38 | 1.61 | Per lease on page 135cr payment = $2450.00 / Piti on note on page 694 1590.20 1 Dscr =1.54% |
| 62256 |  | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Updated as per Approval certificate |
| 62256 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | Updated as per 1008 Doc |
| 62256 |  | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19 | N/A | No tape data added. |
| 62256 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 62257 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.41 | 16.418 | DTI/HTI +/- 2% is allowable as per Guidelines |
| 62257 |  | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Updated as per the Approval Document |
| 62257 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 62257 |  | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.41 | N/A | DTI/HTI +/- 2% is allowable as per Guidelines |
| 62257 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 61921 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | updated as per Approval document |
| 61921 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.25 | 34.259 | DTI - 2% is allowable as per Guidelines |
| 61921 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 746 | 751 | Updated as per Credit report page 66 |
| 61921 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 61922 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 746 | 751 | As per the Credit Report the Credit score is 746 and updated |
| 61922 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 1.21 | This file is not DSCR it is Conventional Loan and updated |
| 61922 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | As per the 1008 this loan is having Manual underwriting |
| 61922 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 61948 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.94 | 18.302 | Income is Different on 1008 and Income Worksheet and Gap Credit Report Document is Missing. Due to that There is Difference in DTI. |
| 61948 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 and Approval Document |
| 61948 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L | Verified 2 year business P&L |
| 62306 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.12 | 39.353 | DTI within 2% |
| 62306 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | AUS confirmed to be Manual Underwriting |
| 62306 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 62299 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.5 | 1.25 | Updated as per Approval certificate |
| 62299 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 Document |
| 62260 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.95 | 1.92 | Rounding |
| 62260 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | AUS Confirmed to manual Underwriting |
| 61935 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.15 | 37.178 | Within +/- 2% Factor Is allowable |
| 61935 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | Manual Underwriting As Per 1008 Doc Page 1Cr |
| 61935 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 61968 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | As per the 1008 document this loan have Manual underwriting |
| 61968 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.48 | 47.683 | All liabilities and Income Updated Tape data is 47.683 and True data is 47.48 and as per the guidelines 2% of +/- can Acceptable |
| 61968 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Business P&L |  |
| 62262 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as Per 1008 Document |
| 62262 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 62270 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | As per 1008 Document this is manual underwriting |
| 62270 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.76 | 14.811 | -/+ 2% Variance Is Allowed As Per Guideline. |
| 62270 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 63034 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.96 | 17.094 | Within +/- 2% Is Allowable. |
| 63034 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual Underwriting As Per 1008 Page 1Cr |
| 63034 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 62282 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Loan was manually underwritten |
| 61969 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 61969 |  | XXXX | Interest Only Flag | notePage | true | Yes | Updated as per the Note document. |
| 61969 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 769 | 778 | Updated as per the 1008 document. |
| 61969 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.07 | 37.134 | DTI within 2% |
| 63080 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 63080 |  | XXXX | Interest Rate | notePage | 4.625 | 4.375 | Updated as per the Note Document. |
| 63080 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.16 | 1.19 | DTI/HTI +/- 2% is allowable as per Guidelines |
| 63080 |  | XXXX | Initial Monthly P&I Or IO Payment | notePage | 3958.87 | $3844.50 | Updated as per the Note Document. |
| 62279 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per the 1008 document |
| 62307 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | this is Manual underwriting |
| 62307 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 51.84 | 51.871 | : DTI +/- 2% is allowable as per Guidelines |
| 62307 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | CPA Verified |  |
| 62716 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 Document |
| 63057 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.04 | 17.929 | Within 2% |
| 63057 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 Document |
| 63057 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 62703 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.72 | 20.148 | DTI within 2% |
| 62703 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual U/W |
| 62703 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 62276 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | AUS confirmed to be Manual Underwriting |
| 62276 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.73 | 33.735 | DTI within 2% |
| 62276 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 62308 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | Manually Underwritten |
| 62751 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.03 | 1 | Monthly Rent -$2,100/ Proposed PITIA -$2,038.65 = 1.03 DSCR Ratio |
| 62751 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | Manual U/W |
| 62727 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 62727 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.4 | 1.3 | This Is DSCR Loan, Monthly Rent - $2700 As per 1007 Page 171Cr / Proposed PITIA - $1925.55 <br> as per Final 1003 page 35Cr = 1.40 DSCR Ratio |
| 62309 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | As Per 1008 Document this is manual Underwriting |
| 62309 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 62750 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | manual U/W |
| 62740 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | AUS confirmed to be Manual Underwriting |
| 62740 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.35 | 1.34 | DSCR confirmed to be 1.35 |
| 63346 |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | Verified with loan approval. Correct loan program |
| 63346 |  | XXXX | Interest Only Flag | notePage | true | Yes | Verified with Note 120 month IO |
| 63346 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Out of Scope | Verified with the 1008, this is manual underwriting |
| 63346 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | CPA Verified |  |
| 62733 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This Is Manual Underwriter Updated as per 1008 |
| 62733 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.16 | 35.405 | With in 2% |
| 62733 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 63355 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | loan manually underwritten |
| 63359 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | Non QM, Manual UW |
| 63359 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Asset Depletion | Doc Type Asset Utilization per Approval |
| 63065 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual UW required |
| 63065 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.44 | 11.446 | Within 2% |
| 63065 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 63349 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.45 | 48.458 | Value is Matched as per Documents |
| 63349 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Refer With Caution | Updated as per 1008 Document |
| 63349 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 620 | 623 | Updated as per Credit report and Approval certificate |
| 63037 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.86 | 23.824 | Value Is Matching |
| 63037 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 Document |
| 63037 |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Updated as per 1003 Document |
| 63037 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 63040 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This Is Manual Underwriter Updated As Per 1008 Document |
| 63048 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.04 | 1 | This Is DSCR Loan, Monthly Rent - $4400 As per 1007 Page 148Cr / Proposed PITIA - $4397.03 <br> as per Final 1003 page 26Cr= 1.00 DSCR Ratio |
| 63048 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 63048 |  | XXXX | Interest Only Flag | notePage | true | Yes | Values Match |
| 62754 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.14 | 29.667 | Within 2% tolerance |
| 62754 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Non QM GSE loans are Manually UW |
| 62737 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.41 | 24.476 | Within 2 percent |
| 62737 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Verified with the 1008 is Manual Underwriting. |
| 62737 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 62695 |  | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 62695 |  | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.7 | N/A | Confirmed the QM Qualifying Total Debit Income Ratio is 37.7. DTI within 2% |
| 63055 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 2.21 | 1.9 | DSCR ratio - Monthly Rent - $4,500 / $2,028.57 PITI = 2.22 |
| 63055 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 63062 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | As Per 1008 Document this is manual Underwriting |
| 63062 |  | XXXX | Interest Only Flag | notePage | true | Yes | Values Match |
| 63066 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 and Approval Document |
| 63066 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.61 | 13.751 | Within 2% |
| 63066 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 63083 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is Manual Underwriting |
| 63083 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Asset Depletion |  |
| 62747 |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Updated as per 1003 Document |
| 62747 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 Document |
| 63036 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated from 1008 document. |
| 62709 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | This is Manual underwriting |
| 62721 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 63063 |  | XXXX | Property Address | notePage | XXXX | XXXX | Updated as per Note Document |
| 63063 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per1008 and Approval |
| 63063 |  | XXXX | Borrower 1 Citizen | the1003Page | XXXX | XXXX | Updated as per 1003 |
| 63031 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as Per 1008 Document |
| 63031 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 692 | 662 | Updated As per Approval certificate and Credit Document |
| 63031 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.22 | 38.578 | Value is Matching |
| 63031 |  | XXXX | Interest Only Flag | notePage | true | Yes | Updated as per Note Document |
| 63031 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 63354 |  | XXXX | Property Address | notePage | XXXX | XXXX | Updated As Per 1003 Documents |
| 63354 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 691 | 692 | Updated As Per Documents |
| 63354 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This Is Manual Underwriter |
| 63354 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 63054 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | AUS confirmed to be Manual underwriting |
| 63075 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | AUS confirmed to be Manual Underwriting |
| 62739 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual U/W |
| 62739 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.1 | 28.684 | DTI within 2% |
| 62739 |  | XXXX | Interest Only Flag | notePage | true | Yes | Values match |
| 62739 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 24 Month Bank Statement |  |
| 63074 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Verified entry is correct |
| 63980 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Verified is manual underwriting |
| 63986 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 Document |
| 63997 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.45 | 43.185 | With In 2% |
| 63997 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This Is Manual Underwriter Loan Updated As Per 1008 Document |
| 63997 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 64004 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manual underwriting loans |
| 63984 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is Manual underwriting loans |
| 63987 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.24 | 1.25 | XXXX |
| 63987 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | As per the 1008 this file is Manual underwriting |
| 63991 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is Manual Underwriting |
| 63992 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated As Per 1008 Document |
| 63992 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.34 | 36.976 | 2% Allowable As Per Guidelines |
| 63992 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 63982 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.03 | 28.20 | DTI within 2% |
| 63982 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | manual U/W |
| 63995 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 63999 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 and Approval Document |
| 63999 |  | XXXX | Interest Only Flag | notePage | true | Yes | Updated as per Note Document is Interest Only |
| 63998 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | This is Manual underwriting loans |
| 64000 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per Appraisal, 1008 and Approval Document |
| 64000 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 63978 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | As Per Approval Doc True Data Is Correct |
| 63993 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.67 | 1.36 | Correct per 1007D Document Rental Income |
| 63993 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | As Per Approval Document True Data Is Correct |
| 63976 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | Verified is manual underwriting |
| 63976 |  | XXXX | Initial Monthly P&I Or IO Payment | notePage | 1722.13 | 1722.12 | Verified with the note Payment amount is correct |
| 63977 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | This is Manual Underwriting |
| 63977 |  | XXXX | Interest Only Flag | notePage | true | Yes | Interest Only Flag confirmed with Note document |
| 63977 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.14 | 1.15 | Rounding Factor |
| 64007 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is Manual Underwriting |
| 63979 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual U/W |
| 63979 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 726 | 764 | Lowest mid score 726 |
| 64274 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 64274 |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Appraised Property Value variation between 1008 and appraisal .updated as per appraisal page 170cr |
| 64274 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.06 | 47.88 | DTI/HTI +/- 2% is allowable as per Guidelines |
| 64274 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 64273 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | AUS confirmed to be manual underwriting |
| 63981 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.4 | 37.41 | 2% Allowable As per Guidelines |
| 63981 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated As Per 1008 Document |
| 63981 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 63975 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | Value Matches |
| 63975 |  | XXXX | Interest Only Flag | notePage | true | Yes | Value Matches |
| 63973 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | Value Matches |
| 63973 |  | XXXX | Interest Only Flag | notePage | true | Yes | Value Matches |
| 63974 |  | XXXX | Interest Only Flag | notePage | true | Yes | Interest only loan |
| 63974 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | AUS confirmed to be Manual Underwriting |
| 64001 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Updated as per 1008 Document |
| 64001 |  | XXXX | Interest Only Flag | notePage | true | Yes | Updated as per Note Doc |
| 64277 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Verified is manual underwriting |
| 64275 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | No correction needed |
| 64275 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.79 | 1.07 | With ratio |
| 64275 |  | XXXX | Interest Only Flag | notePage | true | Yes | Value match |
| 65403 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Confirmed Manually Underwritten |
| 65403 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | 12 Month Bank Statement |  |
| 65402 |  | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Per approval verified Underwriting Guidelines |
| 65402 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Ineligible | Manual U/W |
| 50183 |  | XXXX | ARM Initial Interest Rate Cap | notePage | 2 | 1.0000 | Verified is 1.00 |
| 50183 |  | XXXX | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 9.75 | Verified is 9.75 max |
| 63996 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Confirmed True Data AUS Recommendation per 1008. |
| 63996 |  | XXXX | Loan Program | bridgeApplicationPage | XXXX | XXXX | Confirmed True Data and Tape Data Loan Program per Approval Cert. |
| 63996 |  | XXXX | Originator Doc Type | employmentIncomePage | ALT DOC | Written Verification of Employment | Confirmed True Data Originator Doc Type per Approval Cert. |

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